🏠 House Buyout Calculator - Divorce & Equity Split

How It Works

When one partner buys out the other in a divorce or separation, the calculation involves:

• Property Equity: Property Value - Outstanding Mortgage
• Partner's Share: Equity × Split Percentage
• Stamp Duty: May apply when transferring ownership
• Legal Fees: Solicitor costs for transfer of equity (typically £500-£2,000)

UK Stamp Duty on Transfer of Equity (2024/25)

Stamp duty may apply when buying out a partner:

• Up to £250,000: 0%
• £250,001 to £925,000: 5%
• £925,001 to £1,500,000: 10%
• Over £1,500,000: 12%

Note: If taking on more than 50% of the mortgage, stamp duty is calculated on the full property value, not just the equity being bought out.

Important Considerations

• You may need to remortgage to release funds for the buyout
• Lenders will assess affordability based on your sole income
• Legal advice is essential for divorce property settlements
• Consider capital gains tax implications if it's not your main residence

How accurate is this calculator?

This calculator provides accurate estimates based on current UK stamp duty rates for 2024/25. Always consult a solicitor for final calculations.

Do I need to pay stamp duty on a house buyout?

It depends. If you're taking on more than 50% of the mortgage as part of the buyout, stamp duty may apply on the full property value.

Is this calculator free?

Yes! Completely free with no signup, no ads, and unlimited calculations.

Can I use this on mobile?

Absolutely! This calculator works perfectly on phones, tablets, and desktops.

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