When budgeting for homeownership, consider the following costs: – Deposit: Set aside funds for the down payment on the property. Stamp Duty or LBTT: Pay the property tax based on the purchase price. Solicitor or Conveyancer Fees: Budget for legal services. Valuation and Survey Costs: Account for property valuation and survey expenses. Mortgage Fees: Consider arrangement or booking fees associated with the mortgage. Home Insurance: Plan for building and contents insurance. Moving Costs: Budget for expenses related to moving your belongings. Ongoing Costs: Include mortgage repayments, council tax, utilities, maintenance, and service charges. Ensure you research and estimate these costs to create an accurate budget. Our advisors are always available to assist you in finding the most suitable deal for your unique situation.