UK Mortgage & SDLT Calculator

Updated for April 2026 Tax Thresholds

Mortgage Details

Purchase Price (£)

Deposit (£)

Term (Yrs)

Rate (%)

Buying Status

Monthly Repayment

£0

Stamp Duty (SDLT) £0

Loan Amount £0

Total Interest £0

Total Cost of Property £0

Stress Test (+3%) £0

Planning your house move

2026/27 SDLT Rates

Our calculator uses the most current HMRC tiers. Remember that the First-Time Buyer relief is capped at properties under £500,000. If you buy for £500,001, standard rates apply.

Stress Testing

We include a mandatory +3% stress test. Lenders use similar buffers to ensure you can still afford repayments if interest rates climb in the future.

Note: “Total Cost” includes your purchase price, total interest over the term, and Stamp Duty.

Built by home movers, for home movers. Accurate for the 2026/27 tax year.