Agents can range in price, starting from low fixed fees, to a percentage of your sale price. In 2025, the average cost of an estate agent was 1.42% (including VAT)*. So, if you sold your property for £275,000, you’d pay £3,900 to your agent. 

You will need to pay legal fees when selling your property. The solicitor will handle the transfer of ownership and represent you in the transaction. You will typically pay small costs right away (ID checks etc.) with the remainder being paid when the sale completes. The average cost of legal fees to sell is £600-£900**

Depending on your circumstances, you may need to end your current deal to make the move work. Your adviser will review all options available with the aim of avoiding costs where possible. Most mortgages will allow you to move home without penalty. An example of when you may need to pay charges is where your current lenders criteria and affordability checks are not enough to provide the new loan you require. Therefore, your adviser may recommend a more suitable lender. Early repayment charges vary depending on your current mortgage. Typically they are a percentage of your outstanding balance.

If your property doesn’t have a valid energy performance certificate (EPC) when you list it with an agent, you will need to pay to have a new one carried out. It is a legal requirement in the UK to have a valid EPC when selling your property. Not sure if your home has one? Take a look here: EPC Register

Stamp Duty is a tax paid when you purchase a property. The amount you pay will vary depending on your circumstances and the property price. Typically, it is paid when the transaction completes. Not sure how much you need to pay? Take a look at our handy stamp duty calculator. Unsure if you class as a first time buyer? see the government guidelines here. If you’re still unsure, we recommend taking legal advice.

You will need to pay legal fees when buying your property. Your solicitor will carry out checks to ensure the property is as described and will represent you in the transaction. You will pay an amount upfront to cover ID checks and property searches, this amount is typically around £300-£400 of the total cost. The average cost of legal fees to buy is around £2,000*

Mortgage advice fees are paid when you submit your full application to the lender. The fee paid depends on the advice you take. However, for standard purchase mortgages, our typical fee is £499. Your adviser will discuss the exact fee payable once they have reviewed your circumstances during the no obligation consultaton.

To ensure you are paying a fair price for the property and to avoid any surprises after you move in, you may want to consider a private survey. Surveys are optional, but are recommended. The cost depends on the type of survey you take, along with the purchase price of the property. Your adviser can put you in touch with our recommended surveyor. For a typical property worth around £250,000, you could pay between £350-900.

When recommending your mortgage, your adviser will detail all of the fees applicable from the lender. Typically, this is the product fee – the fee attached to your interest rate/ deal (ranging from £0 to a percentage of the loan amount). In addition, there may be application/ valuation fees. Most lenders do not charge for these but where they do, we factor this into the cost of the deal to ensure you’ve got the cheapest option.

Often overlooked but a key part of moving home. When allocating savings/ funds to costs, it’s important to factor in the cost of actually moving. Whether that be hiring a company to help, or going it alone and renting a van. You’ll need to ensure you keep an amount back to cover these costs.