UK Property Move Calculator

Find out exactly how much money you’ll need — or have left over — when buying and selling property in the UK.

Quickly see how much cash you'll need — or have left over — when buying and selling your home.

MyMoveBudget is designed to help UK home movers get instant clarity on what their move will really cost. Whether you're upsizing, downsizing, or simply relocating, this calculator is perfect for anyone selling their current home and buying a new one at the same time. It’s especially useful if you're juggling a property chain and need to understand how your sale price, deposit, equity, borrowing capacity, and stamp duty all interact. Instead of relying on rough guesses or static spreadsheets, the tool runs complex calculations in the background—instantly showing whether you're within a comfortable loan-to-value ratio and how much extra cash (if any) you’ll need to put in. Simply enter your expected sale and purchase prices, plus your mortgage details, and you'll see a breakdown of costs, equity released, borrowing required, and legal thresholds like stamp duty and affordability buffers.

“This calculator saved us from making a £30k mistake. We thought selling for £20k less wouldn’t change much—but it made our new mortgage unaffordable once stamp duty and deposit changes were factored in. Such a useful tool—I wish we’d found it sooner!”
— Sophie L., Essex

Example Scenario:
Let’s say you're selling your current home for £550,000 and buying your next one for £750,000.

You still have a mortgage of £300,000. The calculator shows you’d need to borrow about £500,000, which might work fine.

But if your sale falls through and you can only sell for £520,000, it’s not just a £30k difference—it pushes your required mortgage to £530,000, which is over your lender's threshold.

Your stamp duty also jumps by over £4,000, and your available deposit shrinks significantly.

Suddenly you're short by £13,000 just to keep the deal alive.

MyMoveBudget helps you catch this kind of hidden impact before you make any financial commitments.

“This calculator saved us from making a £30k mistake. We thought selling for £20k less wouldn’t change much—but it made our new mortgage unaffordable once stamp duty and deposit changes were factored in. Such a useful tool—I wish we’d found it sooner!”— Sophie L., Essex

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“This calculator saved us from making a £30k mistake. We thought selling for £20k less wouldn’t change much—but it made our new mortgage unaffordable once stamp duty and deposit changes were factored in. Such a useful tool—I wish we’d found it sooner!”
— Sophie L., Essex