Home Buying Cost Calculator (2026/27)Home Buying Cost Calculator
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Calculator checked against GOV.UK, Revenue Scotland and Welsh Revenue Authority rules on (how we check).
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Band-by-band tax breakdown ▼
| Band | Taxable slice | Rate | Tax |
|---|---|---|---|
| First-time buyer: up to £300,000 | £300,000 | 0.0% | £0 |
| First-time buyer: £300,001 to £500,000 | £30,000 | 5.0% | £1,500 |
| Total | £330,000 | — | £1,500 |
Estimates only. Confirm with your conveyancer and official calculators. Sources.
Selling a property too? All 7 tax packs, CGT included, are £9.99. See the pack library
Selling a property too? All 7 tax packs, CGT included, are £9.99. See the pack library
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Cash you need — and when it's due
Deposit + costsThe all-in figure above is your tax and buying fees. But the real cash you need from savings also includes your deposit — and it's not all due on the same day. Set your deposit below to see the true total and the payment timeline.
Assumes a 10% exchange deposit (or your full deposit if smaller). Your lender, not this tool, sets the minimum deposit it will accept. Excludes mortgage interest, moving and ongoing costs. Estimates only — confirm exact figures with your conveyancer.
First-time buyer costs on £330,000
Pre-filled for first-time buyer assumptions so you can compare against mover and second-home cases quickly.
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At a glance
- Property tax total: £1,500
- Fees total: £2,699
- All-in total: £4,199
- Effective tax rate: 0.45%
- Marginal tax rate: 5.0%
- Most tax comes from First-time buyer: £300,001 to £500,000 at 5.0% (£1,500).
Assumptions used
- Tax year: 2026/27
- Nation basis: England / Northern Ireland
- Buyer scenario: First-Time Buyer
- Legal fees: £1,200
- Survey: £500
- Mortgage fee: £999
These are typical estimates. Your actual costs may differ.
Guides for the costs at this price
What changes at this threshold?
Compare nearby price brackets with the same assumptions to see how tax and all-in totals move.
How a first-time buyer's £1,500 on £330,000 is worked out
First-time buyer relief swaps the normal bands for its own. For a first-time buyer at £330,000 the working is:
- The first £300,000: £300,000 at 0% = £0
- £300,001 to £330,000: £30,000 at 5% = £1,500
- Total SDLT: £1,500, or 0.45% of the price
The relief limit and £330,000
A first-time buyer pays £1,500: nothing on the first £300,000, then 5% on the £30,000 above it. That is £5,000 less than a home mover pays.
There is £170,000 of room before the relief is lost. Above £500,000 it disappears on the whole price, so the bill jumps from £10,000 to £15,000; keep any separate payment for fixtures or furniture inside that limit too.
A Lifetime ISA can go towards a first home costing up to £450,000, so £330,000 is inside the limit and the savings and bonus can be used without a withdrawal charge, provided the other Lifetime ISA conditions are met.
Cash a first-time buyer needs at £330,000
On top of the deposit a first-time buyer needs about £3,440 to £5,590: the £1,500 Stamp Duty, conveyancing (£1,340 average 2026 freehold quote at this price), a RICS Level 2 survey (£600 to £700) and up to £2,050 of mortgage fees. A fee-free mortgage gives the lower end.
| Deposit | Deposit amount | Mortgage needed | Cash needed with costs |
|---|---|---|---|
| 5% | £16,500 | £313,500 | £19,940 to £22,090 |
| 10% | £33,000 | £297,000 | £36,440 to £38,590 |
| 15% | £49,500 | £280,500 | £52,940 to £55,090 |
Lenders set their own deposit rules. Conveyancing from Compare My Move; survey and mortgage fees from HomeOwners Alliance.
A first-time buyer at £330,000 in Scotland and Wales
In Scotland a first-time buyer pays £5,750 LBTT at £330,000: the relief there has no price limit but is worth at most £600.
Wales has no first-time buyer relief, so a first-time buyer pays the full £6,300 LTT. In England and Northern Ireland the same buyer pays £1,500, against £6,500 for a home mover.
Source: Revenue Scotland: Land and Buildings Transaction Tax · Welsh Government: Land Transaction Tax rates and bands
First-time buyer prices either side of £330,000
The first-time buyer column is the one to watch: the relief is lost on the whole price above £500,000.
| Price | Home mover | First-time buyer | Second home |
|---|---|---|---|
| £305,000 | £5,250 | £250 | £20,500 |
| £320,000 | £6,000 | £1,000 | £22,000 |
| £330,000 (this page) | £6,500 | £1,500 | £23,000 |
| £340,000 | £7,000 | £2,000 | £24,000 |
| £355,000 | £7,750 | £2,750 | £25,500 |
England and Northern Ireland, 2026/27 rates, from the same calculator as the figures above.
Monthly mortgage on a £330,000 first home
Most first-time buyers borrow most of the £330,000. The table shows the mortgage left after a 5%, 10% and 15% deposit and what it would cost each month. The £1,500 Stamp Duty and the fees are paid from savings on top of the deposit, unless the lender lets you add its own fees to the loan.
Each extra £1,000 on the price costs a first-time buyer £50 up to £500,000. At £501,000 the bill would be £15,050: the relief stops, so £330,000 is £170,000 from a £5,050 jump.
| Deposit | Mortgage | Example repayment |
|---|---|---|
| 5% (£16,500) | £313,500 | £1,683 a month |
| 10% (£33,000) | £297,000 | £1,594 a month |
| 15% (£49,500) | £280,500 | £1,506 a month |
Monthly repayments use an example 5% rate over 30 years, capital and interest. They are not a quote: your lender's rate and term set the real figure.
Registering your first home at £330,000
The £1,500 figure only applies if every buyer on the purchase is a first-time buyer: someone who has never owned a home in the UK or anywhere else. If one of you has, the purchase is taxed at the home mover rates, £6,500 at £330,000, or more if that person still owns another home.
Registering a first home at £330,000 with HM Land Registry costs £150 through the portal or £330 by post (the £200,001 to £500,000 fee band).
Your conveyancer pays it after completion and adds it to the bill, so check that the quote shows it as a disbursement.
Your First Home at £330,000
Your First Home is the government scheme for first-time buyers of new-build homes in England, with applications expected from February 2027. At £330,000 the minimum 2.5% deposit is £8,250, the government's 20% equity loan is £66,000 and the mortgage is £255,750.
At our example rate that mortgage costs about £1,373 a month in years 1 to 5, against £1,683 for a 95% mortgage of £313,500. The loan is interest free for 5 years, then adds about £82 a month in year 6 and £165 from year 7.
Local price caps apply and the full list is not published yet. Of the published examples, £330,000 is within the cap in Manchester, Reading, Outer London, Inner London.
Monthly repayments use an example 5% rate over 30 years, capital and interest. They are not a quote: your lender's rate and term set the real figure.
Source: GOV.UK: Your First Home
Where first-time buyers typically pay £330,000
In August 2026, the average first-time buyer's home cost closest to £330,000 in Vale of White Horse, Bath and North East Somerset and Rochford, according to HM Land Registry's House Price Index.
In England a first-time buyer pays £1,500 stamp duty at this price; a Scotland purchase at £330,000 would mean £5,750 LBTT (the highest Scottish average is Edinburgh's £252,487); a Wales purchase at £330,000 would mean £6,300 LTT (Wales has no first-time buyer relief) (the highest Welsh average is Monmouthshire's £264,431).
73 of 349 council areas have a higher average first-time buyer price than £330,000, and 276 a lower one.
| Council area | Nation | Average first-time buyer price | Tax on £330,000 for a first-time buyer |
|---|---|---|---|
| Vale of White Horse | England | £330,205 | £1,500 stamp duty |
| Bath and North East Somerset | England | £331,079 | £1,500 stamp duty |
| Rochford | England | £331,112 | £1,500 stamp duty |
| Croydon | England | £332,560 | £1,500 stamp duty |
| Woking | England | £332,691 | £1,500 stamp duty |
| Mid Sussex | England | £327,144 | £1,500 stamp duty |
HM Land Registry UK House Price Index, August 2026 (provisional). The tax column is this page's price under each area's own nation's rules, 2026/27.
Source: HM Land Registry: UK House Price Index data downloads, August 2026
Conveyancing at £330,000
Average 2026 conveyancing quotes in the £300,001 to £400,000 band were £1,340 for a freehold purchase and £1,490 for a leasehold (Compare My Move), and the Land Registry fee at this price is £150 online. See conveyancing fees on a £330,000 home for every price band, each region and what a quote should include.
FAQ
How much stamp duty does a first-time buyer pay on £330,000?
£1,500 in England and Northern Ireland in 2026/27, against £6,500 for a home mover.
How much cash does a first-time buyer need for a £330,000 home?
The deposit plus about £3,440 to £5,590 of tax and fees: with 5% down (£16,500) that is about £19,940 to £22,090.
Can I use a Lifetime ISA on a £330,000 home?
Yes, if the other conditions are met: the limit is £450,000 and £330,000 is under it.