Stamp Duty Mortgage Calculator

The stamp duty calculator provides a reliable estimate based on the current Stamp Duty Land Tax (SDLT) rates and the property value you enter.

While the calculation is accurate in terms of rates, other factors—such as whether you’re a first-time buyer, buying a second home, or an investment property – can affect your final stamp duty liability.

For complex cases, it’s a good idea to speak with a mortgage broker or tax professional to ensure you’re budgeting correctly​.

Stamp duty is calculated based on the purchase price of the property and the current rates set by the government.

The amount you pay depends on the property’s value and whether it’s your primary residence, a second home, or a buy to let investment.

There are different thresholds and rate bands, which increase as the property value rises.

Our stamp duty calculator helps you estimate this, but speaking to a mortgage broker can ensure you account for any exemptions or reliefs that may apply to your situation​.

First time buyers may be eligible for stamp duty relief, meaning you could pay a reduced amount or no stamp duty at all, depending on the value of the property

Currently, first time buyers purchasing a home worth up to £425,000 pay no stamp duty, and there’s a discounted rate on properties up to £625,000.

It’s important to check if you qualify, and a mortgage broker can help clarify this based on your purchase​​.

Yes, stamp duty applies to buy to let properties, and it includes an additional 3% surcharge on top of the standard rates.

This applies to properties above £40,000 and is something landlords and property investors need to account for when budgeting.

A mortgage advisor can help you understand the exact amount you’ll need to pay based on your property value and portfolio size​​.

Yes, using a mortgage broker can make navigating stamp duty much simpler.

Mortgage brokers are up-to-date with the latest tax rules and can ensure you understand the costs associated with your property purchase, including any exemptions or additional charges like the 3% buy to let surcharge.

We help you budget accurately and guide you through the overall mortgage process, saving you time and effort​​.