When buying a house, there will be multiple set of costs involved. In a typical house purchase following costs may be incurred; Conveyancing Cost – payable to solicitors for legal work and property searches. Stamp Duty Land Tax – payable to HMRC. Your solicitors will calculate this, collect from you and pay to HMRC on your behalf. There are some exemptions for first time buyers. Survey Fee – Payable to the lender to carry out the property valuation survey. Mortgage Arrangement fee – payable to the lender. Some lenders give the option to add the arrangement fee in the loan amount. Mortgage broker fee – Payable to your mortgage advisor.