We use cookies to improve your experience and analyse site traffic. By clicking Accept you consent to our use of cookies in line with our Privacy Policy.
Calculate your monthly mortgage payment and Stamp Duty Land Tax using current 2026 GOV.UK rates.
Mortgage Repayment Calculator
Loan amount (price − deposit)—
Loan-to-value (LTV)—
Monthly payment—
Total interest over term—
Note—
Stamp Duty Land Tax (SDLT) — England & N. Ireland
Uses the property price entered above. SDLT applies in England and Northern Ireland only — Scotland uses LBTT, Wales uses LTT, with different bands.
Total Stamp Duty Land Tax—
SDLT Rates 2026 (Standard)
Band
Rate
Up to £125,000
0%
£125,001 – £250,000
2%
£250,001 – £925,000
5%
£925,001 – £1.5m
10%
Above £1.5m
12%
Source: GOV.UK, current rates effective since April 2025.
First-Time Buyer Relief
0% up to £300,000, then 5% on £300,001–£500,000. Relief is not available above £500,000 — standard rates apply to the full price instead.
Additional Property Surcharge
+5% on top of standard rates on the entire purchase price, if buying a second residential property.
Estimate only. Mortgage figures assume a fixed rate for the full term and don't include arrangement fees, valuation fees, or early repayment charges. SDLT calculation covers standard scenarios only — non-resident surcharges, shared ownership, and linked transactions have additional rules. Consult a mortgage broker or solicitor before completing a purchase.