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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.

All tools

Budget for the whole purchase

Bring together the cash needed to buy and the monthly cost of ownership. Keep your own fee estimates and contingency separate so you can replace them with quotes as the purchase develops.

How the tool works

Select the property’s nation, price and buyer position.
Enter the deposit, borrowing assumptions and professional-fee allowances.
Review completion cash and monthly costs, then update the plan when quotes or terms change.

When to use it

Use the planner before making an offer and again once survey, legal and lender costs are known.

UK coverage and assumptions

Purchase tax follows the selected jurisdiction and buyer assumptions. Other allowances are your inputs; the tool does not obtain a lender offer, council tax bill or solicitor’s quote.

Frequently asked questions

Is the deposit the only cash I need?

No. Allow separately for purchase tax, legal work, surveys, lender charges, moving and initial work, as applicable.

Why keep a contingency?

Quotes and property condition can change the budget. An explicit reserve makes it easier to see what cash remains after expected costs.

Can I use the same plan for every UK nation?

The structure is useful across the UK, but select the correct tax jurisdiction and use quotes and legal guidance for the actual transaction.