Whether you’re buying your first home or already have property experience, buying a home comes with a range of costs that can quickly add up. If you’re buying and selling at the same time, the financial pressure can feel even greater.

Here’s a detailed breakdown of the main costs to expect when purchasing a property in Manchester.

Estate Agency Fees

Estate agent fees typically only apply when selling a property, so if you’re a first time buyer in Manchester, you won’t need to worry about this. However, if you’re also selling a property, these fees will be one of your main costs.

Fees can vary between agents, but online agents tend to offer lower prices due to lower overheads. High street agents usually charge 1–2% of the sale price, but in return, offer a more personal, hands-on service, something many sellers still value.

If you’re selling during a seller’s market (where demand is high and homes are in short supply), you may be able to negotiate your fee. It’s always worth comparing a few quotes and asking questions before making your decision.

Property Survey Fees

If you’re taking out a mortgage, your lender will require a valuation survey to confirm the property’s worth. Some lenders include this for free, while others charge a fee, usually a few hundred pounds, depending on the level of detail.

You can also choose to upgrade to a more in-depth Homebuyers Report or full structural survey, especially if you’re buying an older property.

This gives you more insight into the property’s condition and can provide peace of mind before committing to the purchase.

Mortgage Arrangement Fees

Some mortgage deals with lower interest rates may come with arrangement fees, often ranging from a few hundred pounds up to £999 or more.

These can usually be paid upfront or added to your mortgage. While adding them to the loan may be more convenient, it can increase your total interest cost over time.

Working with a mortgage broker in Manchester like us ensures that all fees are considered when comparing deals, helping you find the most cost-effective option based on your circumstances.

Solicitor Fees

You’ll need a conveyancing solicitor to handle the legal aspects of the purchase. Solicitor fees can vary widely depending on the value of the property, whether it’s freehold or leasehold, and the complexity of the transaction.

As a general guide, fees for a straightforward purchase might start at around £800, including VAT and essential disbursements like Land Registry fees and local authority searches.

When gathering quotes, make sure to confirm:

  • That VAT is included
  • That disbursements are covered
  • That your solicitor is approved by your mortgage lender

Choosing the right solicitor can help you avoid unnecessary delays and ensure everything stays on track.

Stamp Duty Land Tax

Stamp Duty is a tax you pay on property purchases over a certain price. Your solicitor will calculate and collect this tax as part of the completion process.

The stamp duty rates fluctuate frequently; you can check the latest rates on the official gov.uk website.

Broker Fees

Depending on who you work with, there may be a fee for mortgage advice or application support. Fee structures can vary, so it’s always worth checking when and how any charges apply.

Some brokers charge upfront, while others may only charge upon mortgage offer or completion. Be sure to understand what’s included in the service and whether any fees are refundable if your purchase doesn’t go ahead.

Removal Fees

The cost of moving can vary depending on how much help you need and how much you’re moving.

  • DIY van hire: £100–£300
  • Full removal service: £1,000+

If you’re moving from a smaller home or can rely on help from family or friends, you can keep your costs low.

But if you want a hands-off experience with packing and transportation included, it will cost more, though many homeowners find the convenience well worth it.

Speak to a Mortgage Advisor in Manchester

There’s a lot to consider when buying a home in Manchester, especially when it comes to managing the many associated costs. By understanding these expenses in advance, you can make smarter decisions and avoid surprises later on.

Whether you’re a first time buyer, moving home or even looking to remortgage in Manchester, our expert mortgage advisors in Manchester are here to guide you through the process, from budgeting to mortgage selection and everything in between.

Book your free mortgage appointment today and let us help make your home buying journey smoother, simpler, and more affordable.

Date Last Edited: December 24, 2025