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내용필수	웹에디터 시작 > > > Deciding to sell a property, the listing price is just the tip of the iceberg, A series of costs will erode that amount before your bank account sees the net proceeds. Understanding each of these expenses in advance can help you price your home correctly, negotiate better, and avoid unpleasant surprises.<br/></p><br/><p>Below is a practical breakdown of the primary costs you’ll encounter when selling a property<br/></p><br/><p>1. Selling‑price discounts and agent commissions<br/>The most apparent cost is the real‑estate agent’s commission. In the UK it typically ranges from 1–3 % of the selling price, though it can be negotiated.<br/>Some agents may charge an additional "value‑added service" fee for marketing, photography, or virtual tours.<br/>Choosing a discount or flat‑fee agent may lower the commission but you’ll lose specialist marketing.<br/></p><br/><p>2. Marketing and staging expenses<br/>Professional photos, floor plans, and virtual tours can cost between £200 and £800.<br/>Staging furniture and decor to present a home at its best may cost £300–£1,000 depending on the scale.<br/></p><br/><p>3. Legal & conveyancing fees<br/>The seller’s solicitor or conveyancer charges a fixed fee or hourly rate. Typical costs are £800–£1,200.<br/>The solicitor will conduct title checks, draft the contract, and coordinate the settlement.<br/></p><br/><p>4. Valuation & survey costs<br/>If you require a formal valuation to set a realistic asking price, anticipate £250–£500.<br/>A standards survey (for buyers to assess property condition) is paid by the buyer, so it is not a seller cost, yet you may provide a copy for transparency.<br/></p><br/><p>5. Mortgage discharge charges<br/>If you still owe on a mortgage, the lender will charge a discharge fee (often £250–£400).<br/>Some lenders also impose a cash‑out or early repayment fee, which can be a percentage of the outstanding balance.<br/></p><br/><p>6. Stamp duty and tax implications<br/>Stamp duty on the sale itself is paid by the buyer, but be aware that if you buy a new home you may trigger a stamp duty refund on the old property.<br/>Capital Gains Tax (CGT) can apply if the property is not your primary residence, with the rate depending on your income and ownership duration.<br/>A simple calculation: CGT liability = (Selling price – purchase price – allowable costs) × CGT rate (18 % for basic‑rate taxpayers, 28 % for higher‑rate).<br/>Certain reliefs (such as Private Residence Relief) may reduce or eliminate CGT.<br/></p><br/><p>7. Insurance aspects<br/>You must keep your building insurance active until settlement.<br/>If you have a "seller’s liability" (e.g., a covered defect discovered after sale), you may need to pay for a survey or legal defence.<br/></p><br/><p>8. Utility & council tax adjustments<br/>Settle any outstanding utility bills and council tax prior to settlement.<br/>The buyer will assume these charges from the settlement date, but any arrears must be cleared.<br/></p><br/><p>9. Additional costs for special circumstances<br/>If the property has a leasehold or freehold with a lease, you might need a leasehold valuation.<br/>For properties with shared ownership or community property, extra documentation and fees may arise.<br/>In cases where the property fails to meet planning or building regu > > 웹 에디터 끝
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