Where the money can come from
- Savings: the usual source. Send it to your conveyancer before completion.
- Borrowing more: some lenders let you borrow a little more to cover it, which reduces your deposit percentage and can raise your rate.
- Gifted deposit: lenders usually need a signed gift letter.
Plan it in
Use the budget calculator to find the highest price you can afford once the tax is included, and the buying-cost planner for fees.
Paying late
Interest and penalties start if the return or payment is late. See deadlines.