Property Cost Calculators
Calculate the complete cost of buying property in the UK with our free property cost calculators. From stamp duty and deposits to capital gains tax and rental yields, our tools help you understand all the expenses involved in property transactions so you can budget accurately and make informed decisions.
Residential Stamp Duty Calculator
Calculate how much stamp duty you'll pay when buying a property in England or Northern Ireland. See how different property prices and buyer circumstances affect your stamp duty liability.
Stamp Duty Land Tax Calculator
Estimate Stamp Duty Land Tax (SDLT) for residential purchases in England and Northern Ireland. See a marginal band breakdown and how transaction type (moving home, first-time buyer, additional property) affects the total.
Second Home Stamp Duty Calculator
Estimate higher-rate SDLT when buying a second home or buy-to-let in England and Northern Ireland. Understand the 5% additional property rates and compare against buying as a main home.
House Deposit Calculator
Work out how much deposit you need to save for your property purchase. Understand deposit percentages, minimum requirements, and how your deposit affects your mortgage options and monthly payments.
Shared Ownership Calculator
Work out the costs involved in shared ownership schemes. Calculate your deposit, monthly mortgage payments, and rent payments to see if shared ownership is affordable for you.
Help To Buy Calculator
Calculate how much you can borrow with Help to Buy equity loans and what your monthly payments will be. Understand the scheme requirements, loan amounts, and repayment terms for first-time buyers.
Capital Gains Tax Property Calculator
Estimate your capital gains tax liability when selling a property that isn't your main residence. Calculate tax on buy-to-let properties, second homes, or investment properties based on current UK tax rates.
Rental Yield Calculator
Calculate the rental yield on your buy-to-let property investment. Compare gross and net yields to understand your potential return and assess whether a property investment makes financial sense.
Popular guides
FAQ
What costs should I budget for when buying a property?
When buying a property, you should budget for the purchase price, property transaction tax (often called “stamp duty” — SDLT in England and Northern Ireland, LBTT in Scotland, or LTT in Wales), deposit, legal fees, survey costs, mortgage arrangement fees, and moving expenses. Our calculators help you estimate key costs like SDLT, deposits, and rental yields so you can plan your budget more accurately.
How much stamp duty will I pay?
Stamp duty depends on the property price, whether you're a first-time buyer, and if it's your main residence or a second home. Use our stamp duty calculator to get an estimate based on your specific circumstances. Rates and thresholds can change, so always check current rates with HMRC.
What's the difference between stamp duty and Stamp Duty Land Tax?
“Stamp duty” is a common umbrella term for property purchase taxes. In England and Northern Ireland the tax is formally called Stamp Duty Land Tax (SDLT). Scotland uses Land and Buildings Transaction Tax (LBTT), and Wales uses Land Transaction Tax (LTT), each with their own rates and rules. Our stamp duty calculators currently cover SDLT (England and Northern Ireland).
Do I pay stamp duty on a second home?
In England and Northern Ireland, buying an additional residential property (such as a second home or buy-to-let) usually means paying the higher SDLT rates. The higher rates add 5 percentage points to each SDLT band (often described as a 5% surcharge on the full purchase price). Use our second home stamp duty calculator to see an estimate and band breakdown.
How much deposit do I need to buy a house?
Most lenders require at least 5% of the property value as a deposit, though 10-20% is more common and gives you access to better mortgage rates. The exact amount depends on the property price and your lender's requirements. Use our house deposit calculator to work out how much you need to save.
What is rental yield and why does it matter?
Rental yield is the annual rental income expressed as a percentage of the property's value. It helps you assess the return on a buy-to-let investment. Gross yield is based on rental income alone, while net yield accounts for expenses. A higher yield generally indicates a better investment, but you should also consider capital growth potential.
How does shared ownership work?
Shared ownership lets you buy a share of a property (usually 25-75%) and pay rent on the remaining share. You can buy more shares over time (staircasing) until you own the property outright. Our shared ownership calculator helps you work out the deposit, mortgage, and rent payments involved.
Do your calculators include all property purchase costs?
Our calculators focus on specific costs like stamp duty, deposits, and taxes. They may not include all fees such as legal fees, survey costs, mortgage arrangement fees, or moving expenses. When budgeting for a property purchase, remember to factor in all associated costs, not just those covered by our calculators.
Are your property cost calculators accurate?
Our calculators use current UK tax rates, thresholds, and standard calculation methods to provide estimates. Results are based on the information you enter and are for illustrative purposes only. Tax rates and thresholds can change, and individual circumstances vary, so always verify current rates with HMRC or seek professional advice.
Do your calculators provide financial or tax advice?
No. Our calculators provide estimates and information only. They do not constitute financial, tax, or legal advice. Tax rules are complex and depend on your individual circumstances. For personalised advice, you should consult a qualified accountant, tax adviser, or solicitor who understands your specific situation.