Your deposit is only part of the story. To avoid last-minute surprises, factor in these often-overlooked costs when buying in Hampshire.
Conveyancing & legal
- Solicitor/conveyancer: ~£950–£1,800 (freehold), more for leasehold or complex titles.
- Searches: £250–£400+ (environmental, drainage, local). Coastal/rural properties may need additional flood or private drainage checks.
Surveys & valuations
- Lender valuation: £0–£350 (sometimes included).
- Homebuyer survey: £400–£900 (typical).
- Building survey (period/large homes): £800–£1,800+. Older Winchester/Romsey stock often benefits from this depth.
Mortgage costs
- Arrangement fee: £0–£1,999 (can be added to the loan).
- Broker fee: £0–£600+ (many worth their weight in gold).
- CHAPS/telegraphic transfer: ~£25–£45.
Taxes & registrations
- Stamp Duty Land Tax: Varies—don’t forget surcharges for second homes.
- Land Registry fee: £20–£910 depending on price and submission type.
Insurance & protection
- Buildings insurance: Required from exchange. Cost depends on rebuild value and location (coastal exposure can raise premiums).
- Life/income protection: Optional but wise.
Moving & set-up
- Removals: £400–£2,500+ (size/distance).
- Storage: £30–£80+ per week if needed.
- Immediate works: Lock changes, alarms, boiler service, deep clean (~£300–£1,000).
Hampshire-specific considerations
- Private drainage/septic systems: Inspection/upgrade contingencies.
- Thatched/period insurance premiums: Often higher—get quotes early.
- Permits in conservation areas: Budget time/cost for compliant works post-completion.
Final word
Create a total cost worksheet before you offer, not after. Want a tailored estimate for your chosen area and price point? Get in touch—we’ll map out your full buying budget so nothing derails your move.