Buying Support
Buying costs
When buying a home, it’s essential to understand the full range of costs involved to make informed financial decisions. At Sunny Bay Home, we guide you through each expense, from initial deposits to final fees, so you can plan your budget effectively and avoid surprises. Whether you're a first-time buyer or an experienced homeowner, knowing these costs upfront ensures a smoother journey towards your new property.
Solicitor's fees (including stamp duty, local authority searches)
Part payments on council tax, ground rents, service charges
Stamp duty
Purchase deposit (typically 10-20% of purchase price)
Property insurance and house contents insurance
Mortgage (including indemnity premium and fees - often added to the loan)
Surveyor's fees
Removal firm
Services (any utilities that need to be reconnected, mail redirection)
Life assurance and mortgage insurance (if relevant to your requirements)