The Hidden Costs of Moving Home in Reading - What You Need to Know
Whether you're upsizing in Earley, downsizing in Woodley, or buying your first flat in Central Reading, we help you plan ahead and avoid costly surprises.
When planning a move in Reading, most buyers and sellers focus on the big numbers - sale prices, mortgage offers, and deposits. But what often gets overlooked are the hidden costs that come with moving home. From legal fees to removal vans and everything in between, the extra expenses can add up quickly if you're not prepared.
At WhiteKnights Estate Agents, we’ve helped thousands of local movers across Reading, Earley, Woodley, Lower Earley and beyond. Here's our expert guide to the most common additional costs you should budget for, so you can move with confidence and avoid last-minute surprises.
1. 💼 Estate Agent Fees
If you're selling your property, estate agent fees will likely be one of your biggest costs. These are usually a percentage of the final sale price, typically between 1% and 1.5% + VAT in the Reading area.
Some agents offer fixed fees, but make sure you understand what’s included. Does it cover professional photography, online and social media marketing, floorplans, and accompanied viewings? At WhiteKnights, we believe in transparent fees and a service that adds real value.
2. 📑 Solicitor or Conveyancer Fees
Legal fees are essential for both buyers and sellers. Conveyancing in Reading typically costs between £900 and £2,500, depending on the complexity of the transaction.
Be sure your solicitor gives you a full breakdown of charges, including Land Registry fees, local authority searches, bank transfer fees, and any disbursements. Costs can be higher for leasehold properties or shared ownership transactions, which are common in new developments around Reading.
3. 🏛️ Stamp Duty Land Tax (SDLT)
If you're buying a property in England, Stamp Duty is a key cost to factor in. The amount you pay depends on the property's purchase price and your buying status (e.g., first-time buyer, second home, investor).
In Reading, where house prices often sit close to major SDLT thresholds, even small price differences can affect how much tax you pay. Use the HMRC Stamp Duty Calculator to estimate your liability.
4. 🚛 Removal Costs
Moving your belongings is another major cost that varies depending on distance, volume, and whether you need packing services. For a local move within Reading, you might pay £400 to £1,200, but longer-distance or larger moves can exceed £5,000.
DIY options like van hire can save money, but they also come with extra stress. If you’re moving from a three-bed in Woodley to a townhouse in Caversham, it’s worth investing in a professional removal team.
5. 🏦 Mortgage Fees
If you’re arranging a new mortgage, watch out for additional charges such as:
- Booking fees (£100 - £250)
- Arrangement fees (up to £2,000)
- Valuation fees (£150 - £1,500, depending on property size)
Some fees can be added to the loan, but this means you’ll be paying interest on them over time. Ask your mortgage advisor to explain all potential charges before committing.
6. 🧽 Cleaning & Repairs
Before handing over the keys, you may want to leave your old property in good condition. That could mean a professional clean, repairing small damage, or freshening up paintwork.
Likewise, your new Reading home may need attention before move-in day, especially if it’s been rented out or left vacant. These jobs aren’t always essential, but they make a big difference to the moving experience.
7. 📮 Post Redirection & Utilities
- Don't forget to budget for admin tasks, such as:
- Royal Mail redirection: ~£36 for three months
- Final utility bills
- New account setup fees (broadband, TV, energy providers)
- Updating Thames Water, Reading Borough Council, etc.
Some providers also charge penalties for early contract cancellations, so read the small print.
8. 🛋️ Furnishing & Decorating
Even if you're reusing your existing furniture, there will almost always be extra expenses. For example:
- Curtains that don’t fit new windows
- Additional storage (especially in smaller new builds)
- New lighting fixtures or appliances
Set aside a small contingency fund, ideally around £1,000 - £2,000, for these unexpected additions.
✅ Final Thoughts
Moving home in Reading is a big financial commitment, and understanding the true cost is key to making it as smooth as possible. With the right preparation, and local experts like WhiteKnights on your side, you can avoid nasty surprises and stay in control of your budget.
Looking for a free valuation or advice on your move?
📞 Call our First Contact team on 0118 334 7410 or use the enquiry form.
We’re here to help.