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Buying a home
Work out the fixed costs of a purchase before you offer: stamp duty or LBTT, Land Registry fees, conveyancing and shared ownership.
- Stamp duty calculatorSDLT, LBTT or LTT on a home in England, Scotland, Wales or Northern Ireland.
- Stamp duty for limited companiesSDLT for an SPV or company purchase, including the 17% rate.
- LBTT and ADS calculatorLand and Buildings Transaction Tax for a home in Scotland.
- Land Registry fee calculatorThe Scale 1 fee to register a purchase in England and Wales.
- Conveyancing cost calculatorAdd up legal fees, searches, Land Registry and stamp duty.
- Shared ownership calculatorMonthly mortgage, rent and service charge for a part-share.
Key figures for 2026/27
| Nation | Tax | Nothing to pay up to | Second homes |
|---|---|---|---|
| England and NI | SDLT | £125,000 (£300,000 for first-time buyers) | +5% in every band |
| Scotland | LBTT | £145,000 (£175,000 for first-time buyers) | 8% ADS on the whole price |
| Wales | LTT | £225,000 | Separate higher rates from 5% |
Checked 25 October 2026. Sources are listed on each calculator.
The costs on top of the deposit
Buying a home comes with fixed costs that are easy to underestimate: the property tax, the Land Registry fee, your conveyancer’s fee and searches, and often a survey and removals. Start with the stamp duty calculator for the nation you are buying in, then add it all up with the conveyancing cost calculator.