Understanding all the costs of buying a UK home

A quick breakdown of everything beyond just the listing price.

By Benham and Reeves

July 29, 2025, 1:08 IST

Understanding the costs involved in buying a UK property

A solicitor or licensed conveyancer handles contracts and ownership. Expect fixed fees + third-party charges (disbursements).

Disbursements explained

Covers search fees, land registry, stamp duty handling and more. These are essential admin costs paid via your solicitor.

Property survey costs

A quick breakdown of everything beyond just the listing price.

Stamp duty land tax (SDLT)

Payable on most UK property purchases. Rates vary by value, buyer status and property type.

Furnishing and dressing

Essential for rental-ready homes. Furniture packs start from £4,000 to attract quality tenants.

Budget smartly

Factor in all these costs upfront. It ensures smoother purchases and better ROI.