Moving home is one of the most exciting events in your life – a fresh start, new surroundings and new opportunities. But alongside the excitement comes a reality that lots of people can underestimate, the true cost of moving.
What Does It Actually Cost to Move?
The total cost of moving in the UK varies depending on your property price, location and circumstances. On average, you could be looking at anywhere between £8,000 and £15,000.
Here are the main costs to factor in:
1. Stamp Duty
Stamp Duty Land Tax (SDLT) is often the biggest cost when buying a home in England.
- First-time buyers may pay reduced or no stamp duty (depending on price thresholds)
- For others, rates increase as property value rises
💡 Tip: Always calculate this early so there are no surprises later.
2. Legal Fees (Conveyancing)
Solicitors or licensed conveyancers handle the legal side of your move.
- Typical cost: £800 – £1,500
- Includes searches, contracts, and Land Registry fees
💡 Tip: Cheaper isn’t always better – look for experience and strong reviews or ask friends and family for their recommendations.
3. Surveys and Valuations
A survey checks the condition of the property.
- Basic valuation: often included with your mortgage
- Homebuyer report: £400 – £700
- Building Survey/RICS: £700+
💡 Tip: If you’re buying an older homes, it’s likely you’ll benefit most from a full survey.
4. Removal Costs
Hiring a removals company depends on distance and volume.
- Average cost: £300 – £1,500+
💡 Tip: Booking mid-week or outside peak seasons can save money.
5. Mortgage Fees
Depending on your lender, you may face:
- Arrangement fees: up to £1,000+
- Broker fees (if using one)
💡 Tip: Sometimes a higher-rate mortgage with no fee can work out cheaper overall.
6. Ongoing & Hidden Costs
These are the ones people often forget:
- Buildings and contents insurance
- Royal Mail redirection
- Utility setup fees
- New furniture or appliances
- Cleaning or minor repairs
💡 Tip: Set aside a contingency fund of at least £1,000.
Top Tips to Save Money When Moving
1. Get Multiple Quotes
Whether it’s solicitors or removal firms, compare at least three options.
2. Declutter Before You Move
The less you take, the cheaper and easier your move will be.
3. Time It Right
Avoid peak times like summer holidays and end-of-month moves if possible.
4. Consider New Build Incentives
Many housebuilders (including us) offer incentives such as:
- Contribution to legal fees
- Stamp duty support
- Assisted move schemes
These can significantly reduce upfront costs.
5. Plan Early
The earlier you understand your costs, the easier it is to budget and avoid stress.
Why Moving to a New Build Can Help
Buying a new build home can simplify the process:
- No onward chain (reduces delays and risk)
- Lower maintenance costs in the early years
- Energy-efficient homes can reduce bills
Plus, with the right incentives, your overall moving costs may be lower than expected.
Moving house doesn’t have to be financially overwhelming but it does require preparation. Understanding the full picture upfront helps you make smarter decisions and enjoy the journey to your new home.
If you’re thinking about moving, our team is here to guide you through every step — from budgeting advice and helpful incentives to finding the right home for you.
Get in touch today and discover how we can help make your move smoother and more affordable.
