House Sale Proceeds Calculator: How Much Will You Get From Selling Your House?
Your net proceeds are simple arithmetic: sale price − outstanding mortgage − any early repayment charge − selling fees − conveyancing − EPC − moving costs. Enter your own figures below and the calculator shows what lands in your bank account, and how that changes depending on how you sell.
Check your mortgage offer — often 1–5% of the balance if you're inside a fixed term.
High-street agent (1.42% inc VAT)
You'd walk away with £143,510
| Sale price | £300,000 |
| Outstanding mortgage balance | − £150,000 |
| Early repayment charge | — |
| Selling fee — High-street agent (1.42% inc VAT) | − £4,260 |
| Conveyancing | − £1,200 |
| EPC | − £80 |
| Mortgage redemption / admin fee | − £150 |
| Removals | − £800 |
| Other costs | — |
| Net proceeds | £143,510 |
High-street agent (1.42% inc VAT)
£143,510
Baseline
Online agent fixed fee
£146,571
+£3,061 vs high-street
OffAgent flat fee
£147,523
+£4,013 vs high-street
Selling with OffAgent instead of a high-street agent keeps £4,013 in your pocket.
Estimates only. Figures use typical UK 2026 costs and exclude any capital gains tax, which does not normally apply to your main home.
What comes off your sale price
Your outstanding mortgage. This is almost always the largest deduction. Your conveyancer requests a redemption statement from your lender and pays the balance directly out of the sale funds on completion, so you never handle it. Ask for the figure early — it includes interest up to the completion date, so it is rarely the round number on your last statement.
Early repayment charge. If you are still inside a fixed or discounted term, your lender usually charges 1–5% of the outstanding balance to redeem early. On a £150,000 balance that is £1,500 to £7,500. If you are buying again, ask whether your mortgage is portable — moving the deal to the new property can avoid the charge entirely.
Selling fees. The UK average high-street commission is 1.42% including VAT, which is £4,260 on a £300,000 sale and is deducted on completion. Online agents charge a fixed fee instead, commonly £999 to £1,599 paid upfront whether or not the home sells. OffAgent is a flat £247 for three months, or £99 a month rolling, with your property on Rightmove and no commission at all.
Conveyancing. Expect £800–£1,500 including VAT for a sale, plus small disbursements such as the Land Registry documents and bank transfer fees. Leasehold sales cost more because of the management pack. Get fixed-price quotes; hourly-rate quotes on a sale are a red flag.
EPC. You must have a valid Energy Performance Certificate before marketing. One costs £60–£120 and lasts ten years, so if you bought recently you may already have a valid one and can skip this cost.
Mortgage redemption or admin fee. Most lenders charge £100–£300 to close the account and release their charge over the property. It appears on the redemption statement.
Removals. Budget £400–£1,500 depending on distance, property size and whether you pay for packing. Add storage if your sale and purchase do not complete on the same day.
Worked example on a £300,000 home
Same house, same £150,000 mortgage, same £1,200 conveyancing, £80 EPC, £150 redemption fee and £800 removals. Only the selling route changes.
| Cost | High-street (1.42%) | Online agent (£1,199) | OffAgent (£247) |
|---|---|---|---|
| Sale price | £300,000 | £300,000 | £300,000 |
| Mortgage redeemed | − £150,000 | − £150,000 | − £150,000 |
| Selling fee | − £4,260 | − £1,199 | − £247 |
| Conveyancing | − £1,200 | − £1,200 | − £1,200 |
| EPC | − £80 | − £80 | − £80 |
| Redemption fee | − £150 | − £150 | − £150 |
| Removals | − £800 | − £800 | − £800 |
| You walk away with | £143,510 | £146,571 | £147,523 |
The gap is £4,013 between a high-street agent and a flat OffAgent fee, and it widens as the price rises, because commission scales with the sale price while a flat fee does not. You can see the fee side on its own with the estate agent fee calculator.
Do you pay capital gains tax when selling your house?
For your only or main home, usually not. Private Residence Relief normally removes any capital gains tax where the property has been your main residence for the whole period you owned it and you have not let it out or used part of it exclusively for business.
Second homes and buy-to-let properties are different: you pay capital gains tax on the gain, at 18% within the basic rate band and 24% above it for residential property, and you must report and pay within 60 days of completion. Reliefs and allowances vary by circumstance, so check with an accountant before you rely on any figure here.
Do you pay stamp duty when selling?
No. Stamp Duty Land Tax is paid by the buyer, not the seller. If you are buying another property at the same time you will pay it on that purchase, but it never comes out of your sale proceeds.
Frequently asked questions
How much do you actually get when you sell a house?
You get the sale price minus everything that has to be paid out of it: your outstanding mortgage, any early repayment charge, the selling fee, conveyancing, an EPC if you need one, a mortgage redemption fee and your moving costs. On a £300,000 sale with a £150,000 mortgage, that usually leaves around £143,000 with a high-street agent charging 1.42% inc VAT, or around £147,000 selling privately on a flat fee.
What costs are involved in selling a house in the UK?
Estate agent commission (1.42% inc VAT on average) or a flat listing fee, conveyancing at £800–£1,500 inc VAT, an EPC at £60–£120, a mortgage redemption or admin fee of around £100–£300, removals at £400–£1,500 and any early repayment charge on your mortgage, typically 1–5% of the balance while you are inside a fixed term.
Is the money from selling my house taxable?
If the property has been your only or main home throughout your ownership, Private Residence Relief normally means there is no capital gains tax to pay. Second homes and buy-to-let properties are taxed on the gain at 18% or 24% for residential property, and the gain must be reported and paid within 60 days of completion. Check your own position with an accountant.
How long after completion do I get the money?
Normally the same day. On completion the buyer's solicitor sends the funds to your conveyancer, who redeems your mortgage and settles the agreed fees, then transfers the balance to your bank account — usually within a few hours, occasionally the next working day if funds land late.
How can I keep more of my sale price?
The selling fee is the one big cost you control. Swapping 1.42% commission for a flat fee keeps thousands on a typical home. Beyond that, get fixed-price conveyancing quotes, avoid moving while an early repayment charge still applies if you can, and shop around on removals.
Ready to keep the commission? See what a £99/month Rightmove listing includes, or read how estate agent fees work in detail.