The costs of buying  -  Fixtures and fittings

Required Reading


The costs of buying - Fixtures and fittings

Unless you are buying a brand-new house or flat, it is likely that the place will contain all sorts of shelves, cupboards, kitchen units, lighting fitments, carpets and curtains. Some of these will automatically be included in the purchase price: 'immovable' fixtures such as fitted wardrobes, kitchen units, lighting switches and so on. Others, such as carpets and curtains, may sometimes be included, or the seller may demand an extra sum of money for them.

Finally, there are 'free-standing' items such as cookers and fridges, which it may be convenient for the seller to sell to you. You will usually find that it is cheaper -as well as a good deal more convenient -to buy these from the seller than to go out searching for new or second-hand items for yourself.

There is no 'fair price' for such things as fitted carpets or second-hand fridges. If the seller has originally acquired them for nothing from his seller, he might be happy to pass them on to you for nothing; if, on the other hand, he had recently spent hundreds of pounds having new carpets fitted, you may find you will be asked a substantial sum for them.

Check out:mortgages uk

The costs of buying - Stamp duty

The next big expense is stamp duty. If you are lucky enough to be buying a property for 125000 or less, you escape this tax completely. Above this, however, you become liable, on a graduated scale according to the value of the property. Those between 125000 and 130000 are subject to duty at the rate of 0.5%, which is payable on the entire purchase price. If the property costs between 130000 and £135,000, the duty rises to 0.01 (and, again, you pay 0.01 of the whole amount, not just on the excess over £130,000). Between 135000 and 140000 the rate is 0.015 and above 140000 it is 2%.

Stamp duty is an unfair tax in many ways: the Government has promised to 'look into it' and one can . . .... see: The costs of buying - Stamp duty

Current Mortgage Offers

  • At Commercialise Yourself you can compare mortgages using our repayment calculator, look for special offers for first time buyers or for 95% loan to value mortgages and see the most popular choices, Nationwide, Accord etc, we now even have a buy to let section for the brave or heart or strong of pocket! You can send us an email if you want to know more about mortgages and what we do and we will get back to you as soon as we are able.


    Finding the right mortgage can be stressful, but we’re here to help you every step of the way.

    Even if you have no proof of income, poor credit rating or facing repossession of your home, we can normally say YES (even if the high street lenders have said NO)!

    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. The overall cost for comparison is 7.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but our average fee is 2.36% of the loan value. We are authorised and regulated by the Financial Services Authority for regulated mortgage and non-investment insurance contracts.