What are the absolute essential costs and fees I need to budget for when purchasing my first buy-to-let property in the UK, beyond the deposit? I'm worried about hidden expenses.
Quick Answer
Beyond your deposit, essential buy-to-let property costs include Stamp Duty Land Tax (SDLT), legal fees, valuation and mortgage arrangement fees, and insurance. These can significantly impact your initial capital outlay and cash flow.
About This Topic
Budget essential buy-to-let costs including 5% SDLT, solicitor fees (£1k-£2.5k), and mortgage fees (up to 2%) for UK property. Avoid hidden expenses. From December 2025.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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