37 articles tagged with Stamp Duty.
Buying a property that contains both residential and commercial elements can qualify for non-residential SDLT rates, potentially saving tens of thousands of pounds. Here is what counts as mixed use and what the case law says.
Beyond the purchase price: SDLT, conveyancing, surveys, mortgage fees, removals and more. Typical additional costs range from £4,000 to £12,000 or more.
Right to Buy lets eligible council tenants in England buy their home at a discount. In 2026 the urban cap is £38,000 and the rural cap is £16,000. Here is the full eligibility and cost guide.
Staircasing lets shared ownership buyers purchase additional shares over time. We explain the costs at each tranche, SDLT treatment, mortgage implications, and what happens at 100%.
FTB SDLT relief reverted in April 2025: now 0% on first £300,000 (up to £500,000 purchase). What counts as a first-time buyer, joint purchases, and shared ownership relief.
A worked case study of what a £500,000 mortgage actually costs each month at 4.5%, 5% and 5.5%, over 25 and 30 years, repayment vs interest-only, plus the income and SDLT involved.
Selling the family home to downsize in retirement can release six figures of equity — but stamp duty, selling costs and means-testing rules can eat into the gain. Full worked example.
Same salary, different city — which gives a first-time buyer a bigger mortgage and a smaller deposit hurdle? Comparing Nottingham and Sheffield property prices, stamp duty and affordability in 2026/27.
Buying more shares in your shared ownership home — staircasing — triggers valuation fees, legal costs and sometimes extra stamp duty. Full worked examples for 2026.
How the 5% additional-property SDLT surcharge is calculated on top of standard stamp duty when buying a second home or investment property in 2026/27.
Transferring the family home between divorcing spouses is usually exempt from Stamp Duty Land Tax — but not always. How the court order exemption works and when SDLT still applies in 2026.
Buying a neighbour's garden strip or an adjoining plot soon after your house purchase can trigger HMRC's SDLT 'linked transaction' rules, pushing you into a higher stamp duty band. How it works in 2026.
Buying a £450,000 second home or buy-to-let in 2026 costs £30,000 in Stamp Duty Land Tax — standard rates plus the 5% surcharge. Full band-by-band breakdown.
A full worked calculation of Land and Buildings Transaction Tax plus the 8% Additional Dwelling Supplement on a Scottish second home purchase in 2026/27, band by band.
How Land Transaction Tax higher residential rates apply to second homes and buy-to-let purchases in Wales in 2026/27, with a full band-by-band worked calculation.
Everything you pay when buying at property auction in 2026/27: buyer's premium, SDLT, bridging loans, legal fees and a worked example for a £180k property.
Help to Buy has closed, but discount market sale, First Homes and regional shared equity schemes still offer below-market routes into homeownership. How the discount is locked in and repaid.
A holiday home and a rental property both count as a 'second property' for stamp duty, but lenders assess them on entirely different criteria. Affordability, rates and use restrictions compared.
A clear 2026/27 guide to LBTT First-Time Buyer Relief in Scotland: who qualifies, the GBP 175,000 nil-rate band, how to claim it, and a worked example.
Plan your UK move with confidence. The real relocation costs, employer relocation tax relief, SDLT mechanics and the 2026/27 tax figures that affect your take-home pay.
Mixed-use properties attract lower commercial SDLT rates rather than residential rates. Learn what qualifies, how HMRC is challenging claims, and the risks for flats above shops and farmhouses.
Unmarried couples property tax UK: stamp duty, CGT, IHT and income tax rules for 2026/27. Know your rights before buying together.
Buying a home in Wales in 2026/27? Understand Land Transaction Tax bands, the £225,000 threshold, higher rates and how movers calculate what they owe.
Mixed-use SDLT rates can save thousands on properties that combine residential and commercial elements. Learn the rules, apportionment, and when the claim is beneficial.
The SDLT surcharge on second homes rose to 5% in October 2024. See 2026 rates, a GBP 350,000 worked example, refund rules and all current exemptions.
Buying UK property from abroad? The 2% non-resident SDLT surcharge stacks on top of standard rates and the 3% additional-property charge. Here is what to pay and when.
Buying a second home or buy-to-let? A 5% SDLT surcharge applies on top of standard rates. Full guide with worked examples and refund rules for 2026/27.
Buyers who are not UK resident pay an extra 2% on top of standard SDLT in England and Northern Ireland, and that 2% stacks on the 5% additional property surcharge. A non-resident second home at GBP 400,000 can owe over GBP 40,000.
Higher mortgage costs, 5% SDLT surcharge, Section 24 interest relief restriction, and declining net yields. We run the real numbers on UK buy-to-let in 2026 — and compare alternatives.
Everything first-time buyers need to know in 2026: how much deposit you need, SDLT after the April 2025 changes, using a Lifetime ISA, Shared Ownership, and the full timeline from AIP to completion.
FTB stamp duty changed April 2025: nil-rate reverted to £300k, purchase cap £500k. Real cost examples, Scotland LBTT, Wales LTT and strategies for London buyers.
How much deposit you need, how long it will take to save it, and the best accounts to use — including LISA bonus, stamp duty relief, and monthly saving tables.
From 1 April 2025, the stamp duty nil-rate threshold for first-time buyers dropped from £425,000 to £300,000. If you are buying above £300,000, your bill has gone up — sometimes by thousands. Here is what changed, worked examples, and what it means for you.
The 2% SDLT non-resident surcharge explained: who pays it, how it stacks with the additional-property surcharge, refund route, and worked examples for 2026/27.
Bought a derelict or uninhabitable property? You may have overpaid SDLT. Learn how to claim non-residential rates and reclaim thousands from HMRC.
Full breakdown of all costs when buying your first home in 2026: stamp duty (post-April 2025 FTB changes), survey, conveyancing, moving, insurance and reserves.
The First Homes scheme offers first-time buyers a minimum 30% discount on new-build homes in England. Here's who qualifies, how SDLT works on discounted homes, and a full worked example.
