Use this moving house mortgage calculator to plan your next move. It works out the equity in your current home, takes off selling costs and stamp duty (or LBTT and LTT in Scotland and Wales), and shows the deposit you will have, the new mortgage you need and the monthly payment.
Your move
- Your equity
- –
- Stamp duty or equivalent
- –
- New mortgage
- –
- Monthly payment
- –
| Amount |
|---|
In the example, you sell a £300,000 home with £150,000 left to pay and buy for £400,000 in England. After about £6,000 of selling costs, £10,000 of stamp duty and £2,500 of other costs, plus £10,000 of savings, your deposit is £141,500. The new mortgage is £258,500, costing £1,422.19 a month at 4.4% over 25 years.
How to use the moving house mortgage calculator
- Enter your current home’s value and what is left on your mortgage.
- Enter the price of your new home and any extra savings.
- Choose where the new home is, because property taxes differ in Scotland and Wales.
- Enter the new rate and term.
What moving home costs
- Estate agent fees: often 1% to 1.5% plus VAT of the sale price.
- Conveyancing on both the sale and the purchase.
- Stamp duty in England and Northern Ireland: 2% from £125,001 to £250,000 and 5% up to £925,000 for movers (GOV.UK rates).
- Survey, mortgage fees and removals.
- Early repayment charges if you leave a fixed deal early.
| Price (England) | Stamp duty for a home mover |
|---|---|
| £250,000 | £2,500 |
| £350,000 | £7,500 |
| £450,000 | £12,500 |
| £600,000 | £20,000 |
Porting your mortgage
If you are in a fixed deal, you may be able to port it: take the same rate to your new home and borrow any extra on a new deal. This avoids early repayment charges, but the lender will check affordability again, and the new borrowing may be at a different rate and end date.
Moving house mortgage calculator tips
Run the moving house mortgage calculator with a cautious sale price. If you sell for less, your deposit falls pound for pound. Check how a bigger loan affects your budget with the remortgage calculator, and see what you still owe now with the mortgage balance calculator.
Moving house mortgage calculator for Scotland and Wales
In Scotland you pay Land and Buildings Transaction Tax, which starts at 2% above £145,000, and in Wales Land Transaction Tax, which starts at 6% above £225,000. On a £400,000 home that is £13,350 in Scotland and £10,500 in Wales, compared with £10,000 in England. Choose the right nation in the moving house mortgage calculator.
Frequently asked questions
How much deposit will I have when I move?
Your equity (home value minus mortgage) less selling costs, stamp duty and fees, plus any savings you add.
Do I pay stamp duty when moving home?
Yes, unless the price is under £125,000 in England. Scotland and Wales have their own taxes and thresholds.
Can I borrow more when I move?
Yes, if you pass the lender’s affordability checks. Extra borrowing may be on a separate deal.
Should I sell first or buy first?
Most people sell first or exchange on both at the same time, so they know exactly how much equity they have.
About this calculator
This moving house mortgage calculator uses 2026/27 property tax rates and rough cost estimates, checked against GOV.UK on 9 November 2026. Results are estimates.