Cost of Buying a £100,000 House in 2026/27
Buying a £100,000 home in the UK costs around £3,455 in fees on top of your deposit — that's 3.5% of the purchase price.
Cash You Need Before Completion
Residential purchase estimate. Uses rates checked on 2 October 2026, without historical contract protection. Future purchases assume these published rates continue.
One dwelling bought by an individual, with the correct buyer category already established. Where first-time buyer relief is offered, it assumes every buyer meets the ownership and main-home conditions. Replacing a main residence can avoid additional-property rates even if you own other property.
Excludes linked transactions, companies/trusts, mixed or non-residential use, lease rent, shared ownership, other reliefs and the non-UK-resident SDLT surcharge. Confirm these cases and any refund conditions with your conveyancer.
Standard buyer (10% deposit)
£13,455
£10,000 deposit + £3,455 fees
First-time buyer (10% deposit)
£13,455
No FTB relief at this price
Fee-by-Fee Breakdown
| Cost | Standard buyer | First-time buyer |
|---|---|---|
| Stamp Duty (SDLT) | £0 | £0 |
| Solicitor / conveyancing | £1,355 | £1,355 |
| Survey | £500 | £500 |
| Mortgage arrangement | £1,000 | £1,000 |
| Removals | £600 | £600 |
| Total fees | £3,455 | £3,455 |
Monthly Mortgage on a £100,000 Home
10% deposit (£10,000)
£500/mo
25-year repayment @ 4.5%
15% deposit (£15,000)
£472/mo
25-year repayment @ 4.5%
What it really takes to buy a £100,000 home
The headline price is only part of the story. To complete on a £100,000 property, you need £13,455 in cash before keys are handed over — your deposit plus around £3,455 in unavoidable fees. That figure can shift if you choose a leasehold (add ~£275), buy new-build (add ~£150), or hire a more expensive surveyor.
If you're a first-time buyer, the SDLT relief is the single biggest saving — £0 in this case. Stretching to a 15% deposit instead of 10% drops your monthly payment from £500 to £472, and reduces the lifetime interest you'll pay considerably.
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Customise every input — deposit, mortgage rate, term, leasehold, new-build, removals — for your exact £100,000 purchase.
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