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The Hidden Costs of Owning a Home in the UK

25th October 2025

Buying a house is one of the most significant financial decisions that we make. It is therefore particularly important to consider the often overlooked costs associated with owning a home that can catch even the most careful first-time buyers off guard. If you forget to include these in your budget, you risk some nasty surprises that make your new home feel more stressful than exciting.

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WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

How much would you like to borrow:

£200
£750
How long would you like it for?
3 months
6 months

Your monthly repayments are:

1
£
2
£
3
£
4
£
5
£
6
£
Total amount to be repaid:
£  
Annual percentage rate:
  % APR

Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £359.97 in monthly instalments of £73.06, £74.38, £62.99, £59.55, £49.22 and £40.77. This is based on the amount of credit plus interest, no other fees apply. Representative 1264.8% APR


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