The Real Cost of Buying in Brighton & Hove: Stamp Duty, Fees & “Hidden” Extras

Most buyers focus on the deposit, then get surprised by the rest.

Here’s a clear breakdown of the typical upfront costs when buying in Brighton & Hove, including Stamp Duty Land Tax (SDLT) and the fees people forget.

Stamp Duty in 2026 (England): the key thresholds

GOV.UK explains that SDLT is paid on increasing portions of the property price. Standard rates include:

• 0% up to £125,000
• 2% on £125,001–£250,000
• 5% on £250,001–£925,000 (and higher bands beyond that)

First‑time buyer relief

If you’re buying your first home, GOV.UK states you may pay:

• no SDLT up to £300,000
• 5% on the portion £300,001–£500,000 …and no relief if the price is over £500,000.

Because local prices can be high (ONS: £410,000 average; £346,000 first‑time buyer average), this relief is particularly relevant for Brighton & Hove buyers.

Tip: Use the official SDLT calculator guidance on GOV.UK to avoid guesswork.

Other costs buyers should budget for

1) Solicitor / conveyancing

Costs vary by complexity (leasehold is typically more involved than freehold).

2) Survey (especially important in Brighton & Hove)

Even if the lender does a valuation, that’s not the same as a survey.

3) Mortgage fees

Some products have arrangement fees; sometimes paying a fee reduces the rate; sometimes it doesn’t.

4) Moving costs + initial setup

Removals, furniture, white goods, decorating, broadband, and a contingency buffer.

5) Leasehold extras (if buying a flat)

Service charges, ground rent (where applicable), management packs; plus lender criteria around lease length.

A practical “don’t get caught out” checklist

• ✅ Confirm SDLT position early (first‑time buyer relief vs standard rates).
• ✅ Decide valuation vs full survey (especially conversions/older stock).
• ✅ Ask for a mortgage illustration showing fees and total cost
• ✅ Keep a contingency buffer for surprises

Call to action

If you tell us the rough purchase price and whether it’s freehold or leasehold, we’ll help you map the true cost of buying; and avoid last‑minute shocks. Call 01273 80 80 95.