UK Property Calculators

Stamp duty depends on the property price and your situation. In England and Northern Ireland for 2026/27, first-time buyers pay 0% up to £300,000 and 5% from £300,001–£500,000, with no relief above £500,000. Other buyers pay 0% on the first £125,000, 2% on £125,001–£250,000, 5% on £250,001–£925,000, 10% on £925,001–£1.5m and 12% above £1.5m. Scotland charges LBTT and Wales charges LTT, both on different bands. Use our calculator for exact amounts.

Lenders typically offer mortgages of 4-4.5x your annual gross income. For example, £25,000 income = £100,000-£112,500 mortgage. Your deposit, credit score, debts, and affordability checks also affect the amount. Use our affordability calculator for a personal estimate.

This depends on several factors: mortgage rates vs rent, property price trends, how long you'll stay, maintenance costs, and opportunity costs. Generally, buying is better for stability and wealth building if you stay 5+ years. Our calculator helps compare based on your specific situation.

Gross rental yields typically range from 4-8% depending on location. London averages 3-5%, while regional areas may reach 6-8%. Net yields (after costs) are typically 2-4%. Northern regions generally offer higher yields than south.

Offset mortgages save interest by using savings to reduce mortgage balance (tax-free), while ISAs save tax on savings interest (currently 5% = £1,000 tax-free for basic rate taxpayers). Consider your situation: offset is better for high earners; ISAs better for those with savings but not at mortgage offset threshold.