Move Confidence

A completion planner for a UK home move — England & NI

What you're bringing

Your pot£225,000

The purchase

Deposit35% of price
£

The mortgage

Borrowing£275,000
Loan-to-value65%

Fees & charges

Editable estimates. Conveyancing is a single sale & purchase job and already bundles searches, Land Registry and transfer fees as disbursements. Set anything that doesn't apply to £0.

Conveyancing — sale & purchaseOne conveyancer, both sides — legal fees plus searches, Land Registry & transfer fees
£
Mortgage product feeLender's arrangement fee (sometimes added to the loan)
£
SurveyHomeBuyer / Level 2 survey on the new place
£
Removals
£
Help to Buy repaymentRedeeming an equity loan on your current home, if you have one
£

Setup & extras

Decorating, furniture, white goods — anything else this move will cost.

£
£
After completion, you'd have
£58,251
Comfortable headroom

A healthy buffer remains after the move.

Your pot£225,000
Deposit−£150,000
Fees & charges−£5,499
Setup & extras−£0
Cash needed to complete−£166,749
Left over£58,251
Monthly mortgage£1,529
Payment stress test
Now4.50%£1,529—
+1%5.50%£1,689+£160
+2%6.50%£1,857+£328
Lender SVR7.13%£1,967+£438

Estimates only, not financial advice. Stamp duty uses England & Northern Ireland rates in force for 2026; fee figures are editable placeholders. Check final numbers with your solicitor and lender.

Living there — your monthly run rate

Once you're in, what does each month look like? Net pay in, mortgage and bills out.

Income

Gross salary per earner — we deduct income tax, National Insurance and pension to find take-home pay.

Take-home £3,257 / monthtax £614 · NI £246 · pension £217 /mo
Take-home £0 / monthtax £0 · NI £0 · pension £0 /mo

Monthly outgoings

Your mortgage carries over from above automatically. Add everything else you'll pay each month.

MortgageFrom the calculator above£1,529
£
£
£
£
£
£
£
£
Left at the end of each month
£419
Healthy monthly surplus
Net income£3,257
Mortgage−£1,529
Other outgoings−£1,310
Left over monthly£419
87% of take-home pay committed

Income tax & NI use England & NI 2026/27 rates, assuming pension via salary sacrifice. Estimates only, not advice.