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Residential Stamp Duty Calculator

Discover your borrowing power with NO credit checks!

Calculate how much stamp duty you’ll need to pay when buying a home. Enter your property details to get a quick estimate.

See what's possible
Get guided help

Residential Stamp Duty Calculator

Discover your borrowing power with NO credit checks!

Calculate how much stamp duty you’ll need to pay when buying a home. Enter your property details to get a quick estimate.

See what's possible
Get guided help

How much could you borrow?

No credit checks here! Simply fill out the information below to get your estimate!

Our mortgage affordability guides

It's a big step buying a home, and the world of mortgages can feel complicated. That's why we’ve gathered everything you need to know about borrowing and mortgage affordability in one place. Whether you're a first-time buyer or moving home, we'll help you get to grips with what you can borrow, what affects your application, and what your monthly repayments could look like.

8 mins

First-time buyer mortgage guide

Our simple guide covers deposits, repayments, and mortgage types, giving you the knowledge & confidence to take that first step onto the ladder.
Read the guide

5 mins

How much can I borrow today?

Your salary plays a key role in your mortgage options. We explain how lenders assess your income and what affects how much you can borrow.
Read the guide

1 mins

Mortgage on a £20k salary

Yes, it’s possible to get a mortgage on a £20k income. Learn how lenders assess affordability and how much they may lend in real terms.
Read the guide

5 mins

Joint borrower, sole proprietor

This option lets someone support your mortgage without owning part of your new home. Discover how it works and who it’s suitable for!
Read the guide

3 mins

Can I borrow 7x my salary?

Most lenders offer 4–5.5x your income, but 7x is sometimes possible. Find out when this applies and how to meet the extra criteria.
Read the guide

6 mins

Struggling to get a mortgage?

Not meeting affordability checks is common. See what might be affecting your chances and how to improve your mortgage application.
Read the guide

4 mins

Repayments on £150k mortgage

Want to borrow £150,000? Learn how monthly payments could vary depending on interest rate, mortgage term and repayment method.
Read the guide

4 mins

Repayments on £200k mortgage

We show what to expect when borrowing £200,000. You can use this to plan your budget and check how terms affect monthly repayments.
Read the guide

6 mins

Bank statements for mortgages

Lenders look at income, spending and savings habits. Understand what they’re checking and how to make sure your records are ready.
Read the guide

7 mins

Reasons for being declined

Common mortgage issues include poor credit or unusual income. Here’s what may cause a problem and what you can do to fix it.
Read the guide

4 mins

Maximum mortgage terms

Your age and income affect how long you can borrow. Learn about lender term limits and how your chosen term changes your payments.
Read the guide

4 mins

What is a gifted deposit for?

A gifted mortgage deposit helps you cover your mortgage down payment. It must be a true gift, with no expectation that you’ll repay it.
Read the guide

Excellent

4.94 based on 152 reviews

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 2 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

Read the full review

United Kingdom, 2 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 2 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 2 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 2 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

Read the full review

United Kingdom, 2 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 2 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 2 months ago

Charmaine

Verified user

Always helpful and responsive. Yasmin always gets us a good deal, and we have been using Just Mortgage Brokers for many years. Easier to deal with then going direct to the lenders. Would highly recommend.

Read the full review

United Kingdom, 2 months ago

Joel

Just Mortgage Brokers are the only place I’ll go for a mortgage or remortgage. Say what they’ll do- and then deliver each time, regardless of your circumstances. Highly recommended.

Read the full review

United Kingdom, 3 months ago

FREQUENTLY ASKED QUESTIONS

Stamp Duty Land Tax (SDLT), usually just referred to as stamp duty, is a transaction tax on property purchases that fall over a certain price. The amount of tax payable is based on the actual purchase price rather than the market value of the property.

At the time of writing, stamp duty is currently payable in England, and Northern Ireland. Different types of taxes apply to any property purchases made in Scotland or Wales.

Stamp duty on residential property purchases is charged on stepped rates according to the purchase price.

During the Government’s 2024 Autumn Budget it was announced that there will be changes to stamp duty from 1st April 2025.

When you are purchasing an additional property, there is a high rate of Stamp Duty imposed, this is 5% on top of the standard rate. Although, should the additional property be for your own personal use and you sell what was previously your main home within 3 years of purchasing the additional property you can claim back the higher rate you paid.

In order to do so, you must either be the buyer of the property charged at the higher rate of SDLT or be an acting agent for the main buyer.

Below we have highlighted the current stamp duty rates, including what you will pay when purchasing an additional property. The current rates last until 31st of March 2025 and after this they will be changing, we have also listed these changes below.

Current rates until 31st March 2025

Band Normal rate Additional property
Up to £250,000 0% 5%
£250,001 to £925,000 5% 10%
£925,001 to £1.5 million 10% 15%
Over £1.5 million 12% 17%

 

For example, a home mover buying a property for £295,000 would pay:

Nothing on the first £250,000: £250,000 x 0% = £0

Plus 5% on the amount between £250,001 and £925,000: £45,000 x 5% = £2,250

Total stamp duty payable: £2,250

Changes starting from 1st April 2025

New band Normal rate Additional property
Up to £125,000 0% 5%
£125,001 to £250,000 2% 7%
£250,001 to £925,000 5% 10%
£925,001 to £1.5 million 10% 15%
Over £1.5 million 12% 17%

 

 

Stamp duty for first-time buyers

Following the Government’s 2024 Autumn budget it was also announced that there will be changes to stamp duty paid by first-time buyers too.

The next table summarises the changes to stamp duty for first-time buyer purchases up to £625,000 from 23rd September 2022. First-time buyers purchasing above £625,000, or for any property that is not for their own occupation, are not entitled to any stamp duty relief and will revert to the standard calculations as shown above.

Current rates until 31st March 2025 

Band SDLT rate
Up to £425,000 0%
£425,001 to £625,000 5%

 

Changes starting from 1st  April 2025

New band SDLT rate
Up to £300,000 0%
£300,001 to £500,000 5%