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Stamp Duty Calculator

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Calculate the Stamp Duty on your residential property purchase in England or Northern Ireland

The amount of SDLT you must pay varies depending on the purchase price. This calculator will help you determine your total SDLT if you are buying a residential property for over £125,600

If you are buying residential property, land, or other non-business property, this calculator does not apply. Instead, go to www.gov.uk/stamp-duty-land-tax for more information about the tax implication of your purchase

Residents of Great Britain are not subject to Stamp Duty Land Tax if they live outside the country for more than 183 days in a 12-month period.

How much can I borrow?


Buying in Scotland or Wales?

The Stamp Duty Land Tax (SDLT) equivalent in Scotland and Wales is a Land and Buildings Transaction Tax (LBTT) in Scotland and a Land Tourism Tax (LTT) in Wales.

Handy tools and calculators for first time buyers

How much can I borrow?

A quick check to find out what size mortgage you can get on your income.

How much will my mortgage payments be?

Find out what your mortgage is going to cost each month.

How much stamp duty will I pay?

Find out how much you’ll need to put aside for stamp duty.

We get you the best deal, completely free of charge.

Frequently Asked Questions

A minimum deposit is required for purchasing a property. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.

Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders use your salary and dividend, while others may use your net profit.

Second mortgages are possible. This includes debt consolidation and home improvements. A second mortgage can also be obtained on a second property, but only if it is for the owner’s personal use, a family member’s use, a holiday home or a rental property.

It will take about an hour for our free mortgage consultation. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.

You must provide three payslips to prove your income if you are an employee. You will need to supply the latest 2 years’ accounts if you are self-employed. Additionally, you must provide proof of identity, address, and three months of bank statements.

An agreement in principle typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.

You can do it, but it will be harder. By putting down a higher deposit, perhaps 10% or 15% of the purchase price, you can demonstrate that you can afford a mortgage.

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