Complete property finance tool with stamp duty, affordability testing & overpayment analysis
Pay NO stamp duty up to £425,000 (saving up to £11,250). Reduced rates up to £625,000.
| Property Price | Standard Rate | First-Time Buyer | Additional Property |
|---|---|---|---|
| Up to £250,000 | 0% | 0% | 3% |
| £250,001 - £425,000 | 5% | 0% | 8% |
| £425,001 - £625,000 | 5% | 5% | 8% |
| £625,001 - £925,000 | 5% | Standard rates apply | 8% |
| £925,001 - £1.5m | 10% | 10% | 13% |
| Over £1.5m | 12% | 12% | 15% |
Calculate how much you can borrow based on your income and expenses
Stress Testing: Lenders test affordability at current rate + 3% to ensure you can afford payment increases.
See how overpayments can save you thousands in interest
Compare different mortgage products side by side
Calculate costs for government home buying schemes
Shared Ownership: Buy 25-75% initially, pay rent on the rest. Can buy additional shares later (staircasing).
Plan your complete monthly housing costs
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