Viewed a property and unsure what the Home Report issues, repairs and moving costs could add up to? Model buying costs, selling costs, solicitor fees, estate agent fees, Home Report costs, removals and likely works before you commit.
If you already have a Home Report for a property, upload the PDF and we’ll help identify possible repair and improvement allowances.
Use the price you’re offering or the Home Report valuation as a starting point.
Affects LBTT and any Additional Dwelling Supplement (ADS). For more detail, see our LBTT calculator.
Starting allowance only. Fees vary by property value, transaction complexity and what is included; compare quotes before choosing a solicitor.
Searches, registration dues, bank transfer fees, mortgage arrangement fee (if any).
Optional ongoing cost. Enter the annual bill from your local council if known.
Tick anything the property needs based on the Home Report, viewing notes or your renovation plans. These are planning allowances only, assuming you are paying contractors rather than doing the work yourself.
Removals, storage and van hire if needed.
Figures are estimates only and don’t include mortgage repayments or running costs. Always leave a contingency for surprises.
Buying costs (for the new property)
Selling costs (for your current home)
If you’re not selling (for example, buying a first home), this section will stay at £0.
Renovation & moving
Renovation figures are broad allowances so you can budget and compare properties. Builders’ quotes will vary.
Ongoing monthly costs
Council tax is not included in the one-off total below, but it should be considered alongside mortgage payments, energy bills, insurance and factoring charges.
Overall estimate (excluding mortgage deposit)
This is a rough “all–in” figure for buying, selling, renovation and moving costs. You’ll still need to add your mortgage deposit and ongoing monthly costs such as council tax, energy, insurance and broadband.
Upload one Scottish Home Report PDF and we’ll suggest likely repair and improvement categories for you to review. We’ll email you a secure link before the estimate is prepared, so your results are protected and you can return to them later.
This page helps buyers and sellers see the bigger picture, from LBTT and solicitors’ fees through to estate agents, Home Report costs, removals and likely renovation spend. It’s a guide, not a quote.
Many repairs and improvements can be planned over time. Category 3 items, urgent safety issues, active leaks, serious damp/timber concerns or lender-required works should be prioritised, but cosmetic improvements can often wait. See our Home Report category 1, 2 and 3 guide.
They’re broad planning allowances for a typical Scottish property, scaled by bedrooms and by your chosen cost basis: budget, typical or higher allowance. Always get at least two or three quotes from contractors.
The main total is about one-off costs. The optional council tax field shows an estimated monthly ongoing cost, but it is not added to the one-off moving total. To explore monthly mortgage payments and total interest, use the Mortgage Repayment Calculator.
Additional Dwelling Supplement (ADS) may apply on top of LBTT for second homes and buy-to-lets. This tool includes a simple ADS estimate when you choose “Second home / additional property”, but your solicitor or the Revenue Scotland website will give the exact figure for your situation.
Your Home Report will highlight issues and urgency. For general preparation tips before a surveyor visit, see the Home Report checklist, and always discuss any major defects with your surveyor and solicitor.
Figures assume you are paying contractors. Your actual spend may be lower if you safely complete minor decoration or improvement work yourself. For larger works, get two or three quotes, check exactly what is included, and avoid committing to non-urgent improvements before your solicitor, lender or surveyor has confirmed any priority issues.
If you’re planning to sell, you’ll usually need a Home Report before marketing. Tell us about your property and we’ll pass your details to surveyors who cover your area so they can contact you with quotations.