Calculate Your Moving Costs

Moving house is expensive, and it's easy to underestimate the total cost. Beyond your deposit and mortgage, you'll face stamp duty, legal fees, surveys, and removals. First-time buyers especially should budget carefully - the hidden costs can add thousands to your bill.

Hidden Costs People Forget

Most people budget for stamp duty and solicitor fees, but what about the EPC certificate? Mortgage arrangement fees? Storage if your moving dates don't align? Or that deep clean and decorating you'll want before moving in? These "small" costs add up fast. Always add 10-15% buffer to your budget for surprises.

When to Book Movers vs DIY

Professional removals cost £300-£1,200 depending on distance and volume, but they save your back and your sanity. DIY with a van hire is £50-150, but you'll need friends with strong backs and the whole day. If you're moving valuable or fragile items, or have more than a 1-bed flat, professional movers are usually worth it.

Survey Types Explained

A basic valuation (£250-400) is the minimum - your lender needs it to confirm the property's worth. A homebuyer report (£400-900) includes a condition check and flags major issues. A full structural survey (£600-1,500) is the most thorough - essential for older properties or those with visible problems. Don't skimp on surveys; they can save you from buying a money pit.

Budgeting Tips for First-Time Movers

Start saving early and track every expense. Get quotes from multiple solicitors and surveyors - prices vary wildly. Consider getting furniture second-hand or gradually to spread costs. Remember, you don't need to have everything perfect on day one. Prioritize the essentials and build up from there.