Loan to value ratio calculator

Stamp Duty Land Tax (SDLT) is usually payable on the purchase of residential properties in England and Northern Ireland valued at over £250,000. If the value is under £625,000 and it’s your first home (or the first home of everyone named on the mortgage) then the rates are discounted. Eligible first-time buyers will pay no Stamp Duty on properties costing up to £425,000.

There are also different rules if it’s a second property, if you are not UK resident or if the sale involves a new residential leasehold property – your Flagstone financial adviser can explain these intricacies to you and help you budget for all aspects of the purchase.

Rates are subject to change but estimated to remain unchanged until 31 March 2025.