4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Work out how much tax you may need to pay with our easy to use stamp duty calculator.
Rated 4.97 out of 5 from 2,400+ reviews
For a personalised assessment, guidance on reliefs and exemptions, or help with more
complex scenarios, our specialist mortgage consultants are here to help. Call us on
0800 652 0971.
0% on the first £125,000
2% on £125,001 to £250,000
5% on £250,001 to £925,000
10% on £925,001 to £1,500,000
12% on anything above £1,500,000
First-time buyers benefit from an enhanced nil-rate band.
No SDLT is payable on the first £300,000 of a purchase, with a 5% rate applying to the portion between £300,001 and
£500,000.
Properties priced above £500,000 do not qualify for first-time buyer relief and
are subject to standard rates across the full purchase price.
To qualify, you must never have previously owned a residential property anywhere in the world, including inherited or gifted property.
Not every buyer pays the full standard rate of SDLT. A number of reliefs and exemptions
can materially reduce your liability, provided you meet the qualifying criteria. First-time
buyer relief is the most widely applicable. Multiple Dwellings Relief (MDR) is available
where two or more dwellings are purchased in a single transaction or as part of a series
of linked transactions, allowing SDLT to be calculated on the average price per dwelling
rather than the total combined price — which can produce a significantly lower bill.
Relief also exists for those replacing their main residence, and certain exemptions apply
to non-UK residents in specific circumstances.
The above calculations are only examples and are not guaranteed. Loans are subject to status and valuation and are not available to persons under 18 years of age. Written quotations available from individual lenders. For secured loans the lender will require a charge on your property and in the case of endowment mortgages, an endowment/life policy for the amount of the advance and a charge over the property. For interest only mortgages, the above calculations do not take into account the cost of any endowment, pension or other savings plan being used to repay the loan. In addition, the figures shown in respect of both repayment and interest only mortgages do not include the cost of additional life cover.
All mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders. Loans are subject to status and valuation and are not available to persons under 18 years of age. Written quotations are available from individual lenders. For secured loans, the lender will require a charge on your property and in the case of endowment mortgages, an endowment/life policy for the amount of the advance and a charge over the property. For interest-only mortgages, the above calculations do not take into account the cost of any endowment, pension, or other savings plan being used to repay the loan. In addition, the figures shown in respect to both repayment and interest-only mortgages do not include the cost of additional life cover. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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