First-time buyer in England
£35,320
Total upfront cash on a £300,000 purchase using the report basis.
156 calculator-generated scenarios · data 2026.07.1
True Cost of Buying a Home in the UK 2026
A reusable UK data asset showing the total upfront cash needed across property prices, buyer types and jurisdictions.
Direct answer
For a £300,000 first home in England, the report-basis total is £35,320: a £30,000 deposit plus £5,320 of taxes, buying costs and selected allowances.
Headline statistics
What £300,000 scenarios show
Every statistic below is calculated from the same report data, using the central calculator defaults described in the methodology.
Home mover in England
£40,320
Total upfront cash on a £300,000 purchase using the report basis.
Additional-property buyer in England
£55,320
Total upfront cash on a £300,000 purchase using the report basis.
Additional-property cash premium
£15,000
Difference from the England home-mover scenario at £300,000.
Home mover in Scotland
£40,168
Total upfront cash on a £300,000 purchase using LBTT.
Home mover in Wales
£39,809
Total upfront cash on a £300,000 purchase using LTT.
Home mover in Northern Ireland
£40,660
Total upfront cash on a £300,000 purchase using SDLT and the LPS allowance.
First-time buyer costs beyond the deposit
£5,320
Report-basis upfront cash beyond the 10% deposit at £300,000 in England.
Open report data
Download all 156 scenarios
The CSV is flat and spreadsheet-friendly. The JSON preserves report metadata, classifications, assumptions, notes and the complete scenario structure.
Representative scenarios
Home-mover totals by property price and nation
These totals include the deposit and the report-basis buying-cost allowances. First-time buyer and additional-property scenarios are included in the downloads.
Thirteen representative property prices with the total report-basis upfront cash required in England, Northern Ireland, Scotland and Wales.
| Property price | England | Northern Ireland | Scotland | Wales |
|---|---|---|---|---|
| £150,000 | £20,055 | £20,197 | £19,683 | £19,544 |
| £200,000 | £26,055 | £26,296 | £25,823 | £24,544 |
| £225,000 | £29,820 | £30,061 | £29,668 | £27,809 |
| £250,000 | £32,820 | £33,061 | £32,668 | £31,809 |
| £275,000 | £36,570 | £36,910 | £36,418 | £35,809 |
| £300,000 | £40,320 | £40,660 | £40,168 | £39,809 |
| £325,000 | £44,070 | £44,410 | £44,048 | £43,809 |
| £350,000 | £47,820 | £48,160 | £49,048 | £47,809 |
| £400,000 | £56,035 | £56,375 | £59,763 | £56,524 |
| £450,000 | £63,535 | £63,875 | £69,763 | £65,274 |
| £500,000 | £71,035 | £71,375 | £79,763 | £74,024 |
| £600,000 | £87,170 | £87,365 | £100,893 | £92,659 |
| £750,000 | £109,670 | £109,865 | £131,023 | £118,909 |
On smaller screens, scroll sideways to view every column clearly.
Regional notes
The tax and registration basis changes by nation
England and Northern Ireland
Both use SDLT rules. Qualifying England registration uses the official HM Land Registry electronic Scale 1 fee. Northern Ireland uses a separate adjustable LPS registration allowance because the final registry treatment can differ.
Scotland
Scottish purchases use LBTT, including first-time buyer treatment and the Additional Dwelling Supplement where applicable. Registration uses the official Registers of Scotland disposition fee scale.
Wales
Welsh purchases use LTT main or higher residential rates. Qualifying registration scenarios use the official HM Land Registry electronic Scale 1 fee.
Methodology
How the report is generated
The report runs the production calculator for 13 property prices, four jurisdictions and three buyer types. It uses the calculator's 10% default deposit and average estimate level.
Moving costs and insurance are included because they are enabled in the calculator defaults. Furnishing and setup is shown as a separate zero-value field because it is optional and not enabled by default. The default 10% contingency applies only to estimate-led costs.
Official calculations are never relabelled as estimates, and planning estimates are not presented as fixed quotations. A real legal, survey, lender or removals quote should replace the central allowance when available.
Read the full calculator methodology and data change log.
For the detail behind individual lines, use the guides to UK conveyancing costs, survey levels and costs, registration fees by jurisdiction and first-month ownership costs.
Use the data
Check a scenario against your own circumstances
Start with the homepage calculator, then read the guides on stamp duty, moving costs, mortgage fees, the cost of owning a home, hidden buying costs and gifted deposits.
For journalists and publishers
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Open Press & DataDisclaimer
TrueHomeCosts provides general UK home-buying cost information for planning purposes only. It is not financial, mortgage, tax or legal advice. Costs can change, and buyers should confirm figures with official sources and qualified professionals before making decisions.