New analysis from Coventry Building Society indicates that the cost of setting up a first home has remained largely unchanged over the past year, providing rare relief for first-time buyers facing stretched budgets.
The Society tracked more than 40 essential items, from conveyancing fees to kettles, beds and blinds.
Between July 2024 and July 2025 the combined cost rose by just £67, equivalent to a 0.6% increase.
Over the same period, the Consumer Price Index rose 3.8%. The total cost of setting up a first home, excluding the deposit, is now £12,035 compared to £11,968 a year ago.
The analysis found wallpaper prices rose sharply, up 48.4% from £18 to £26 a roll, while fridge freezers recorded the biggest fall, dropping 8.6% or £46 year-on-year.
Other white goods, including dishwashers and washing machines, also saw price decreases. By contrast, curtains fell in price while roller blinds became more expensive.
Jonathan Stinton, head of intermediary relationships at Coventry Building Society, said: “There’s no escaping how expensive it is to get on the housing ladder – but these figures offer a rare moment of relief for first-time buyers.
“While general inflation is still running hot, the cost of turning a house into a home has barely moved.
“Even so, it’s important for buyers to have an idea of how much they may need to be spend after they’ve got their keys.
“Knowing the real costs can help new buyers better plan for the future and understand the full financial picture of homeownership.”
