Legal, mortgage, survey and registration costs
The shared engine produces a core non-tax range of £3,030 to £6,530. These figures exclude the deposit, SDLT, moving, insurance, furnishing and contingency.
The average core example is £84,575 including the 10% deposit and SDLT. Market estimates should be replaced with transaction-specific quotations when available.
The table below shows core non-tax transaction costs at £600,000, with columns for Cost, Low assumption, High assumption, and Basis.
| Cost | Low assumption | High assumption | Basis |
|---|---|---|---|
| Solicitor / conveyancing | £1,300 | £2,250 | Typical market estimate |
| Search fees | £260 | £430 | Typical market estimate |
| Survey | £700 | £1,600 | Typical market estimate |
| Mortgage fees | £450 | £1,900 | Typical market estimate |
| Registration fee | £295 | £295 | Statutory or official charge |
| Bank transfer fee | £25 | £55 | Typical market estimate |
On smaller screens, scroll sideways to view every column clearly.
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.
| Nation | Property tax | Tax system |
|---|---|---|
| England | £20,000 | Stamp Duty Land Tax (SDLT) |
| Northern Ireland | £20,000 | Stamp Duty Land Tax (SDLT) |
| Scotland | £33,350 | Land and Buildings Transaction Tax (LBTT) |
| Wales | £25,500 | Land 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 calculatorCompare 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.
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.
Editorial record
- Page reviewed
- 19 July 2026
- Calculator data
- 2026.07.1
Official charges use linked public rules; quote-led figures remain planning assumptions until you replace them. Read the source and calculation method or report an error.