Net sale proceeds comparison
Estimated net proceeds after mortgage and sale-cost assumptions.
Net proceeds
House Part Exchange Calculator UK
Model whether a house part exchange offer looks worthwhile by comparing net proceeds, fee savings, convenience discount, onward purchase costs, and estimated mortgage payments.
Part exchange net proceeds£125,000Offer less existing mortgage
Vs open market-£13,438Open-market route ahead after costs
Estimated new mortgage£286,250£1,707 per month
Part exchange trade-off
Offer discount compared with fees and costs avoided.
Amount
Part Exchange Comparison
Market value assumption£325,000
Part exchange offer93.8% of market value£305,000
Offer gapDiscount versus market value£20,000
Estate-agent fee avoided1.3% of market value£4,063
Sale and moving costs avoided£2,500
Net difference after costs-£13,438
Onward Purchase
New home price£425,000
Estimated purchase taxStandard England/NI SDLT estimate£11,250
Cash deposit entered£25,000
Mortgage if using part exchange£1,707 per month£286,250
Mortgage if selling open market£1,627 per month£272,813
Assumptions
Calculation notes
- House part exchange schemes are commercial offers, not formal valuations. Compare more than one valuation where possible.
- This model does not include incentives, reservation fees, mortgage-product fees, developer extras, survey issues, chain risk, timing value, or negotiation strength.
- Purchase tax uses current England and Northern Ireland SDLT assumptions only; use the Stamp Duty Calculator or professional advice for final liability.
Guide
How to use the House Part Exchange Calculator UK
Model whether a house part exchange offer looks worthwhile by comparing net proceeds, fee savings, convenience discount, onward purchase costs, and estimated mortgage payments. It is useful for screening property costs, affordability, yield, or renovation assumptions because it keeps inputs, charted outputs, notes, and related next steps on the same page.
Start by checking current home market value, part exchange offer, outstanding mortgage, estate-agent fee avoided, sale and moving costs, and new home price. The results update as assumptions change, so you can compare scenarios before downloading a CSV report.
If rules, tax years, thresholds, or eligibility assumptions affect the result, review the calculation notes before acting on the output.
Inputs
Inputs to check
- Current home market value: Enter the value you want to test.
- Part exchange offer: Enter the value you want to test.
- Outstanding mortgage: Enter the value you want to test.
- Estate-agent fee avoided: Enter the value % of market value you want to test.
- Sale and moving costs: Enter the value you want to test.
- New home price: Enter the value you want to test.
FAQs
House Part Exchange Calculator UK FAQs
What is the House Part Exchange Calculator UK for?
Model whether a house part exchange offer looks worthwhile by comparing net proceeds, fee savings, convenience discount, onward purchase costs, and estimated mortgage payments. Use it when you want a quick, editable estimate with charted results and visible assumptions.
Which assumptions should I check first?
Start with current home market value, part exchange offer, outstanding mortgage, estate-agent fee avoided, sale and moving costs, and new home price. Then review the calculation notes for anything the tool does not include.
Are the results exact?
The result is a planning estimate, not mortgage, tax, surveying, or legal advice. Confirm important property decisions with a lender, conveyancer, adviser, or official guidance.
Can I keep or compare the result?
Yes. Use the Download CSV button on the calculator page to export the current inputs, headline results, detailed rows, chart data, insights, and notes.
What should I try next?
Try Second Home Cost Calculator UK, Stamp Duty Calculator, Mortgage Affordability Calculator, and Freehold Purchase Calculator UK next. These tools are linked because they use related assumptions or answer the next practical question.