TrueHomeCosts
UK home buying cost guide

Reviewed 19 July 2026

How much does it cost to buy a £600,000 house in the UK?

Direct answer

For a £600,000 home in England or Northern Ireland, a first-time buyer or standard home mover pays £20,000 in Stamp Duty. With a 10% deposit, the core upfront cash required is approximately £83,030–£86,530 before moving costs, insurance, furnishing and contingency. The fuller worked planning example totals £87,170.

First-time buyer relief does not apply because the property costs more than £500,000. Scotland and Wales use different property taxes, so their totals are higher.

£600,000 house buying cost breakdown

This core example uses a 10% deposit, standard England home-mover SDLT and the shared low-to-high assumptions for legal work, searches, survey, mortgage fees, registration and bank transfer fees.

A calculation-backed summary separating the deposit, SDLT, core transaction range and fuller planning example.

England and Northern Ireland standard home-mover example
CostAmount
Property price£600,000
10% deposit£60,000
Stamp Duty Land Tax£20,000
Core legal, survey, mortgage and registration costs£3,030 to £6,530
Core upfront cash required£83,030–£86,530
Fuller planning example£87,170

On smaller screens, scroll sideways to view every column clearly.

The fuller £87,170 example uses average core assumptions and adds £1,650 for moving, £320 for insurance and a £625 contingency. Furnishing is excluded.

The core total excludes moving costs, insurance, furnishing and contingency so it can be compared consistently across deposit scenarios.

Calculate your exact costs for a £600,000 home

Open the main calculator with £600,000, a 10% deposit, England and standard home-mover settings prefilled. You can then change the deposit, UK nation, buyer type, optional fees, moving, insurance, furnishing and contingency.

Opens the full TrueHomeCosts calculator with this worked scenario prefilled.

Calculate costs for a £600,000 home

How much cash do you need with different deposits?

Every core total includes £20,000 SDLT plus the shared £3,030 to £6,530 core transaction-cost range. Moving, insurance, furnishing and contingency are excluded.

Deposit amounts, core cash required and illustrative mortgage balances at four common deposit percentages.

Deposit and core upfront cash scenarios for a £600,000 home
DepositDeposit amountCore upfront cash including £20,000 SDLTIllustrative mortgage
5%£30,000£53,030–£56,530£570,000
10%£60,000£83,030–£86,530£540,000
15%£90,000£113,030–£116,530£510,000
20%£120,000£143,030–£146,530£480,000

On smaller screens, scroll sideways to view every column clearly.

How much Stamp Duty is payable on a £600,000 house?

Stamp Duty on a £600,000 home in England or Northern Ireland is £20,000 for a standard home mover.

The shared SDLT bands apply 0% to the first £125,000, 2% to the next £125,000 and 5% to the remaining £350,000.

The standard SDLT calculation, generated from the same tax-band configuration used by the calculator.

SDLT band calculation for a £600,000 standard home purchase
SDLT bandCalculationTax
Up to £125,0000%£0
£125,001 to £250,000£125,000 × 2%£2,500
£250,001 to £600,000£350,000 × 5%£17,500
Total£20,000

On smaller screens, scroll sideways to view every column clearly.

Additional-property rates can apply to second homes and buy-to-let purchases. Scotland uses Land and Buildings Transaction Tax (LBTT), while Wales uses Land Transaction Tax (LTT).

Sources and further reading: GOV.UK residential SDLT rates · TrueHomeCosts Stamp Duty guide

Useful next checks

Use the UK house buying cost calculator, all property-price examples, calculation methodology, UK property-tax guide and total cash needed guide to compare the hidden costs on this page with your full buying budget.

At a glance

Key facts buyers should know first

Property price

£600,000

10% deposit

£60,000

Standard SDLT

£20,000

Core upfront cash

£83,030–£86,530

Trust note

Official-rate items vs estimate-led items

TrueHomeCosts separates published rates from market-based assumptions so buyers can see which figures are official and which ones are planning estimates.

Official or published-reference items

  • jurisdiction-specific property tax calculations
  • applicable published registration charges

Estimate-led items

  • solicitor/conveyancing
  • searches
  • survey and valuation
  • mortgage fees
  • moving
  • insurance
  • furnishing and contingency

How labels are used across the site

Official charge: based on published tax bands or fee scales.

Lender charge: fees tied to mortgage products, valuations or broker work.

Solicitor/conveyancing estimate: legal work and disbursement planning ranges.

Market estimate: surveys, moving, furnishing or other provider-led costs.

Optional cost: useful for planning, but not required on every purchase.

Situation-dependent cost: applies only to some properties or buyer types.

Plan the full picture

Use this guide with the right follow-up pages

Start with the homepage calculator to test your own numbers, then compare this topic with How much money do I need to buy a house in the UK?, Stamp duty explained: UK property tax in plain English, Hidden costs of buying a house in the UK and Cost to buy a £500,000 house in the UK.

How costs differ in England, Northern Ireland, Scotland and Wales

England and Northern Ireland use the same SDLT rules, although registration treatment can differ. Scotland and Wales have separate progressive property taxes.

The table below shows home-mover property tax on a £600,000 purchase, with columns for Nation, Property tax, and Tax system.

Home-mover property tax on a £600,000 purchase
NationProperty taxTax system
England£20,000Stamp Duty Land Tax (SDLT)
Northern Ireland£20,000Stamp Duty Land Tax (SDLT)
Scotland£33,350Land and Buildings Transaction Tax (LBTT)
Wales£25,500Land Transaction Tax (LTT)

On smaller screens, scroll sideways to view every column clearly.

First-time buyers and additional properties

Do first-time buyers get Stamp Duty relief on a £600,000 house? No. First-time buyer SDLT relief does not apply when the property costs more than £500,000. A first-time buyer purchasing a £600,000 property in England or Northern Ireland therefore pays the standard £20,000 SDLT charge.

For an additional property in England or Northern Ireland, the shared tax engine calculates £50,000 SDLT at £600,000. Eligibility and replacement-of-main-residence rules can affect whether the higher rates apply.

Sources and further reading: GOV.UK first-time buyer and higher-rate rules · first-time buyer cost guide

Calculate your £600,000 buying costs

Open the full calculator with this scenario prefilled, then replace planning estimates with your own quotations and optional-cost choices.

Go to the calculator

Compare nearby property prices

If you are budgeting around this price point, it can help to compare nearby price points because deposit size, tax treatment and total upfront cash can change quickly.

Cost to buy a £475,000 houseCost to buy a £500,000 houseCost to buy a £750,000 house

FAQ

Questions buyers usually ask

How much Stamp Duty do you pay on a £600,000 house?

£20,000 is payable by a standard home mover buying a £600,000 home in England or Northern Ireland. The total is £0 on the first £125,000, £2,500 on the next £125,000 and £17,500 on the remaining £350,000.

How much cash do I need for a £600,000 house with a 10% deposit?

£83,030–£86,530 is the core upfront cash range with a 10% deposit for an England home mover. It includes the £60,000 deposit, £20,000 SDLT and £3,030 to £6,530 of core transaction costs, but excludes moving, insurance, furnishing and contingency.

Do first-time buyers get Stamp Duty relief on a £600,000 house?

No. First-time buyer SDLT relief does not apply above £500,000, so a first-time buyer purchasing for £600,000 in England or Northern Ireland pays the standard £20,000 SDLT charge.

How much does buying a second property for £600,000 cost?

£50,000 is the calculator-derived SDLT for an additional £600,000 property in England or Northern Ireland. With a 10% deposit, the core upfront cash range is £113,030–£116,530; higher-rate eligibility and refunds can depend on the transaction.

What fees are payable on top of the deposit and Stamp Duty?

£3,030 to £6,530 is the shared low-to-high range for solicitor or conveyancing work, searches, survey, mortgage fees, registration and bank transfer fees at £600,000. Moving, insurance, furnishing and contingency are separate choices.

How do the costs differ in Scotland and Wales?

£33,350 LBTT is payable by a standard home mover in Scotland and £25,500 LTT in Wales on a £600,000 purchase, compared with £20,000 SDLT in England or Northern Ireland. Registration charges and estimate-led costs can also differ by nation.

What mortgage might be needed with a 5%, 10%, 15% or 20% deposit?

The illustrative mortgage is £570,000 with a 5% deposit, £540,000 with 10%, £510,000 with 15% and £480,000 with 20%. Actual borrowing depends on lender affordability, product criteria and valuation.

Does the total include moving costs, insurance and furnishing?

The £83,030–£86,530 core range excludes moving, insurance, furnishing and contingency. The £87,170 planning example adds moving, insurance and a 10% contingency, but still excludes furnishing.

What this page is based on

Trust and data notes

  • ReviewedCalculations were last checked against the shared calculator rules and official sources on 19 July 2026. The statutory charges, typical market estimates and user-selected assumptions are labelled separately.
  • How to read the figuresOfficial charges and estimate-led costs are shown separately so buyers can see which parts of the total are fixed rules and which parts are planning ranges.
  • When to double-checkFigures are guidance only. Buyers should check important numbers with their solicitor, lender or the relevant official authority before making financial decisions.
  • Source styleThis page includes official-rate references and linked source notes where applicable.

Official reference points used on this page include HMRC SDLT residential property rates and Revenue Scotland LBTT residential rates and bands.

Reference points

Official UK guidance

This guide is informed by publicly available UK guidance from official and consumer-support sources where relevant.

Content notes

Reviewed and maintained by the TrueHomeCosts research team.

Our guides are built from official UK tax sources, public cost information and typical market price ranges. We separate fixed official charges from variable market estimates so buyers can see which figures are certain and which may change.

Last reviewed: 19 July 2026

Calculator data version: 2026.07.1

This content is for general guidance only and is not financial advice. For more detail, read how our estimates work or learn more about TrueHomeCosts.

Related guides

Read next

How much money do I need to buy a house in the UK?

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Stamp duty explained: UK property tax in plain English

Stamp duty explained UK in plain English, including SDLT, LBTT, LTT, first-time buyer treatment, second-home costs and the main 2026 differences by nation.

Hidden costs of buying a house in the UK

A detailed guide to the hidden costs of buying a house in the UK, including solicitor fees, conveyancing disbursements, searches, surveys, transfer fees, indemnity policies and the practical extras buyers often miss.

Cost to buy a £500,000 house in the UK

See calculator-derived cash examples for buying a £500,000 house, including deposit, UK property tax, transaction fees and clearly labelled optional costs.

Cost to buy a £750,000 house in the UK

See calculator-derived cash examples for buying a £750,000 house, including deposit, UK property tax, transaction fees and clearly labelled optional costs.

Sources and checks

These are the main public sources used for official-rate items and checks on this page. Estimate-led costs remain planning ranges rather than government charges.