2026/27 · Edition 1.1 · 30 pages
The Home Buying Costs Pack 2026/27
Most buyers budget for the deposit and the stamp duty, then get caught by a dozen smaller bills that arrive at different times. This plain-English PDF lists every cost, shows how the property taxes work in each UK nation, and walks you from offer to keys.
- Every line item of buying a home, when you pay it, with typical 2026 ranges
- Stamp Duty, LBTT and LTT explained, with worked examples for all four nations
- Surveys, conveyancing, searches and Land Registry fees
- Mortgages: deposits, fees, fixes and overpaying
- The conveyancing timeline step by step, plus a pre-exchange checklist
- Printable budget, affordability and offer-comparison worksheets
Checked against official sources on 18 October 2026.
Or get all 7 packs for £9.99
Budget-proof
The Autumn Budget is on 28 October. If it changes anything in this pack, we’ll update it and your download link will serve the new edition free. If your link has expired, ask through our contact form and we’ll send the update.
What's inside
30 pages, from first budget to moving day
The full cost of buying
2026/27 figures at a glance and key dates, every line item and when you pay it, and two worked budgets.
Surveys and legal work
Survey levels, conveyancing fees, searches and HM Land Registry fees, including when the higher fee applies.
Property tax in each nation
Stamp Duty Land Tax, Scotland's LBTT and Additional Dwelling Supplement, Wales's LTT, and the four nations side by side.
Mortgages and help for buyers
Deposits and borrowing, choosing a deal, repayments and overpaying, the Lifetime ISA and the schemes still open.
From offer to keys
The timeline, exchange and completion (and Scotland's system), leasehold checks, a before-you-exchange checklist and the common risks.
Second homes, worksheets, sources
Second homes and buy-to-let, a moving-day checklist, budget and offer worksheets, common mistakes and every source.
Look inside
Three sample pages
Who it's for
Written for people buying in England, Scotland, Wales or Northern Ireland
First-time buyers
Relief thresholds, the Lifetime ISA, deposits and a full budget so nothing arrives as a surprise.
Home movers
Buying and selling at once: the timeline, chains, and the costs that land on completion day.
Second-home and buy-to-let buyers
Surcharges in each nation, the window to reclaim them, and buy-to-let mortgage basics.
Not for
Anyone wanting personal advice. The pack is general information and does not recommend any lender, product or firm.
Questions
Frequently asked questions
What do I get?
A 30-page PDF for 2026/27: the costs of buying a home with typical ranges, Stamp Duty, LBTT and LTT with worked examples, mortgages, the Lifetime ISA and buyer schemes, the conveyancing timeline, leasehold checks, a pre-exchange checklist, second homes and buy-to-let, and printable budget, affordability and offer worksheets.
Does it cover Scotland, Wales and Northern Ireland?
Yes. It covers Stamp Duty Land Tax in England and Northern Ireland, LBTT and the Additional Dwelling Supplement in Scotland, and Land Transaction Tax in Wales, with the four nations side by side.
How up to date is it?
Every tax rate and official fee was checked against official sources (GOV.UK, Revenue Scotland, the Welsh Revenue Authority and HM Land Registry) on 18 October 2026. The Autumn Budget is on 28 October 2026; if the rules change, we will publish a new edition.
Is this financial or legal advice?
No. It is general information to help you budget and ask the right questions. It does not recommend any lender, product or firm. For decisions about your own purchase, speak to a regulated mortgage adviser or a solicitor or licensed conveyancer.
How do I get the PDF?
After paying you return to a download page and the PDF starts downloading. Keep the page link: it works for 30 days, up to 25 downloads.
What if it is not what I needed?
Contact us through the contact page and we will refund you in full.
£4.99, once. You get the PDF straight after paying, with a download link that works for 30 days.
Not what you needed? Contact us for a full refund. Checked against official sources on 18 October 2026; the Autumn Budget is on 28 October 2026 and we will publish a new edition if the rules change.