All toolsPurchase cost planner

Purchase cost planner

Property tax, cash required, mortgage payments, buying fees and ownership allowances, from the official rules for the nation you are buying in and your own figures.

Official UK purchase-tax rulesYour editable assumptionsLive mortgage products pending

Build the purchase plan

Property tax follows the nation you choose. The price, finance, fees and running costs below are your editable planning assumptions.

Deterministic calculation

Purchase and finance

Where you are buyingStamp Duty Land Tax applies. The three nations have different taxes and different bands.Purchase priceDepositIgnored for a cash purchase.FinanceMortgage structureInterest rateMortgage term

Tax circumstances

Buyer positionIntended completionCurrent rules were checked 6 September 2026; future changes are not predicted.Non-UK resident surchargeOnly applied to England and Northern Ireland. This is a tax residence test, not nationality.

Purchase allowances

Pre-filled amounts are editable planning allowances, not property facts or quotations.

LegalSurveyMovingInitial worksContingency

Monthly ownership allowances

Enter known amounts or leave at zero. Greathome does not infer missing running costs.

Council taxService chargeInsuranceUtilitiesMaintenance / yearDivided by 12 in monthly totals.

Complex transactions are not automated. The result links to the relevant official tax authority and records the rule version used.

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