Move Budgeter

What's the lowest offer you can afford to accept?

Worried you might not be able to sell for as much as you need for your next move? Use this tool to find out.

It's made for homeowners selling one home to buy another, so it isn't aimed at first-time buyers. Fill in your mortgage, selling costs and what the next place will cost you, and we'll work out the sale price below which you'd come up short. The estate agent and legal fees are pre-filled with typical amounts, so change them to match your quotes. The grey figures are just examples. Everything is editable, and nothing here is sent anywhere.

Your current home & sale costs

What you still owe, and what it costs to sell.

Mortgage still owed (redemption figure) Ask your lender for an up-to-date redemption statement

Early repayment charge Only if you're leaving your mortgage deal early — check your latest statement

Estate agent fee As a % of the sale price — typical UK range is 1–2%

Conveyancing / legal fees (selling)

Other selling costs EPC, removals from this home, etc.

I have a Help to Buy equity loan to repay Repaid as a % of the sale price, not the original loan amount — get a redemption statement from Target/My First Home before relying on this

Your next home & buying costs

What you'll need in cash to complete on the next place.

Price of the next home Your rough target — used only to size the deposit below

Deposit you'll put down The rest is covered by your new mortgage

I'll (temporarily) own two homes at completion Adds the 5% additional-property surcharge — normally reclaimable if you sell this home within 3 years

Stamp duty (SDLT) — calculated automatically England & NI residential rates, effective from April 2025. Scotland (LBTT) and Wales (LTT) differ

Conveyancing / legal fees (buying)

Survey / valuation

Removals & moving costs

Cash cushion

Money on either side of the ledger that isn't the sale itself.

Other savings you'll put toward the move Cash you have that isn't tied up in this home

Buffer you want left over Contingency for overruns, gaps between completion dates, etc.

Your floor price

Enter your mortgage, costs and the price of your next home, and the lowest offer you can afford to accept will appear here.

Your numbers are remembered in this browser for next time.