True cost calculator

What would you really take home?

The headline price isn’t what ends up in your bank. Change the figures below to compare an estate agent sale with a cash sale for your situation.

Your property

Estimated market value

Estate agent fee (before VAT)

Your legal / conveyancing fees

Months until completion with an agent

Monthly mortgage

Monthly bills & council tax

Price reduction to get a sale

Asking-price reductions and renegotiation after survey are common.

Cash offer as % of market value

Cash offers usually fall between about 75% and 85%. This is for illustration only. Your actual offer depends on your property.

Estate agent

Sale price
Agent fee + VAT
Legal fees
Holding costs

You take home

SwiftStone cash sale

Cash offer
Agent fee: £0
Legal fees: £0
Holding costs: ~£0

You take home

That's

This doesn't include the risk of an agent sale falling through, which would add more months of costs. It's an illustration only, not an offer or financial advice.

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