Use our handy calculator to estimate how much you could potentially borrow for your new home. Updated with the latest 2024 & 2025 rates.
This calculator can tell you how much Stamp Duty Land Tax you will need to pay on your property purchase, whether you're a first-time buyer, a home-mover or in the market for an investment property.
Your stamp duty to pay is:
until 31st March 2025:
from 1st April 2025:
Looking to buy a property in the UK? Our Stamp Duty Calculator gives you an estimate of your potential tax costs, helping you budget and plan your next move.
Please Note: This calculator provides an estimate only and does not constitute financial advice. The Mortgage Pod is not authorised to give any tax or legal advice.
How to Use the Stamp Duty Calculator
Just enter the property price and relevant details to see your estimated Stamp Duty amount instantly!
Our calculator is updated with the latest Stamp Duty rates, but for precise figures and tailored advice, we recommend consulting a financial advisor.
Use this tool to estimate your potential Stamp Duty costs when buying a property in the UK.
How is Stamp Duty Calculated?
Stamp Duty costs are generally calculated based on:
– Property price: The purchase price determines the Stamp Duty rate.
– Buyer status: Whether you’re a first-time buyer, moving home, or buying an additional property.
– Property type: Residential or commercial property purchases may have different rates.
What is Stamp Duty?
Stamp Duty is a tax paid on property purchases in the UK, with rates that vary based on the property’s value and the buyer’s circumstances. First-time buyers may qualify for discounts, while additional property purchases typically incur higher rates.
Understanding your Stamp Duty liability early on can help you budget more accurately for your new home.
To get a comprehensive view of your mortgage options and discuss your unique situation, contact The Mortgage Pod. Our team is ready to offer tailored advice and guide you through the mortgage process.
What our customers are saying about us
Customer service and communication are our strong points, but we don’t expect you just to take our word for it. If you have time, please take five and read what our customers are saying about us and why they rate us as a 5-star mortgage broker.
We honestly cannot recommend Steve at Mortgage pod highly enough. Our situation was complex, with multiple properties, business interests, a … nd a shared ownership mortgage that required very clear explanation to the lender. Steve was calm, proactive, and completely on top of every detail from day one.When our solicitors unexpectedly went into administration mid-process, Steve stepped in immediately, coordinated the move to a new firm, and made what could have been a very stressful situation feel completely manageable. Communication was excellent throughout – clear, honest, and reassuring – and we always felt he was several steps ahead.Steve fought our corner, handled lender queries efficiently, and ultimately secured our mortgage when it genuinely felt like the hardest part to navigate. If you want a mortgage advisor who is knowledgeable, responsive, and genuinely invested in getting the right outcome for you, Steve is exceptional. Read more
Steve was fantastic in helping me get my mortgage sorted. His advice was clear, fair, and easy to understand. He went above and beyond throu … ghout the buying process, feeling more like a trusted partner than just a mortgage broker. Highly recommend having a chat with Steve - you’ll be in safe hands! Read more
Amazing team, super helpful and made the whole process simple and relaxing instead of worrying. Barry was a great help always there to answe … r any question. 100% recommend Read more
Steve has been incredibly helpful from the very beginning of our house-hunting journey. He took the time to understand my needs, walked me … through every step of the mortgage process, and always explained things in a way that made everything feel clear and manageable.What stood out most was Steve’s patience and responsiveness — no question was ever too small, and he always made me feel supported. His guidance gave me confidence during what can be a stressful process. Read more
Amazing service! Barry is so helpful, really knowledgeable and nothing is ever too much trouble. We will always use Barry for our Mortgage a … nd highly recommend his services. Read more
Thank goodness I got in contact with Steve! Many people told me I wouldn’t be able to get a mortgage being self employed and only having tra … ded for a year but Steve was able to help me get a mortgage and I’m getting the keys this week!! Can’t think you enough Steve🙏 Read more
Steve at The Mortgage Pod has been absolutely fantastic from start to finish. He took the time to understand our situation in detail and fou … nd the best mortgage options available to us. The whole process was seamless, communication was clear throughout, and nothing was ever too much trouble. It’s rare to find someone who combines deep expertise with genuine care for their clients — but Steve does exactly that. Highly recommend The Mortgage Pod to anyone looking for a stress-free mortgage experience. Read more
Barry made the whole process of applying for a mortgage a breeze. Without his help it definitely would have created more stress than we want … ed. He explained everything clearly and kept us in the loop at all times. Thank you for helping us get our mortgage on our first home. Read more
Barry was incredibly helpful, thorough and diligent. Always updated me promptly and the process was seamless. This was my first time remortg … aging and I felt I was in very safe hands. Highly recommend! Read more
Brilliant experience with Steve and the team. Steve is extremely knowledgable and pragmatic. It was a very smooth process.
Excellent service from Barry. He has been able to answer every question we had about mortgages and the process thoroughly. Would definitely … recommend for first time buyers! Read more
We’ve used the Mortgage Pod now for renewing our mortgage a couple of times now and they have been super helpful always on hand with any que … stions and always gets us the best deal. When we don’t understand anything they are happy to explain so we do ☺️ we would definitely recommend them to anyone looking for a Morgage/renewal etc. Read more
We have used Steve Humphrey @the mortgage pod for the last 10 years and I wouldn't use anybody else now . Steve and his team always go the e … xtra mile. Read more
Barry helped me through a remortgage - he was very consistent in his accessibility, very through with keeping line with financial regulation … s, so a true professional, did a lot of maths for me, and explained the options making sure I had the best fit for a 2 year fix - Im a customer now so I'll be in touch again in a year or soThanks again Barry Top man,Regards Olly Read more
Steve at the Mortgage Pod was incredibly helpful from day 1, right the way through to completion. As it was our first time buying, we had lo … ts of questions and concerns about the process. However, Steve helped put us at ease, was always available and responded really quickly to any queries we had. Making the process very simple and pain-free for us! Couldn't recommend enough! Read more
As first time buyers we were unsure of the process, but Steve made everything so clear and easy.Always contactable, responsive and knowled … geable, Steve's experience and calm kept things running smoothly, and he quickly kept us informed of changes to interest rates meaning we were able to twice improve on our product.Would definitely come to Steve in the future. Read more
Steve offered us some fantastic support and guidance throughout our house buying journey. As first time buyers, we were a little overwhelmed … , but Steve took the time to to explain the process and we often turned to him with quick questions. He was super quick to respond and kept us updated every step of the way. Would 100% recommend. Read more
Tremendous experience with the Mortgage Pod,I had a series of unfortunate events that led my homebuying journey down a 2 year path but Stev … e was there whenever I had a question or any help. Really friendly and professional team I'd recommend to anyone Read more
Barry has been brilliant throughout the whole process, he has helped us understand everything and talked us through each step as well as ans … wer all of our questions. We also had help from Chris for our insurances and found this very helpful and informative. Both Chris and Barry have given us a wealth of knowledge as first time buyers. We highly recommend The Mortgage Pod. Read more
We used Steve @ the mortgage pod to help us secure a new mortgage and release some funds to complete an extension. We had been trying to sor … t this for a while but our complicated situation had meant that other brokers simply vanished when it got tricky. Steve stuck with us, drafted in help from colleagues, made calls to mortgage companies and explained our situation rather than just accepting “computer says no”.The way of communicating was perfect for us, via WhatsApp group chat. We genuinely felt that Steve was on our side and helped every step of the way.Thanks so much 🙏 Read more
We were so lost and dreading the process, but Steve was amazing and made things run super smoothly. He was super friendly, approachable and … helped us to get a better rate than we expected. Thank you, Steve! Read more
I can’t recommend Barry highly enough! From start to finish, the service was excellent. They were always available, incredibly responsive, a … nd nothing was ever too much to ask for. Every question I had was answered quickly and clearly, which made the whole process stress-free and easy to understand. Everything was handled on time and with such professionalism – it really took the pressure off and made what could have been a daunting process so straightforward. An outstanding service throughout! Read more
Steve was amazing throughout out the whole process, and was always happy to answer questions and respond quickly. He helped us get a great r … ate and advised us on how to navigate one of having a visa. Highly recommend, particularly to first time buyers! Read more
I had an excellent experience working with Barry as my mortgage advisor. He is incredibly kind, well-organized, always available to answer q … uestions, and extremely patient throughout the entire process. Barry’s professionalism and dedication made everything smooth and stress-free. I highly recommend his services. Read more
If you’re lucky enough to find Steve in your search for a mortgage broker then look no further. Steve was amazing throughout the entire proc … ess. He found by far the most competitive products and worked tirelessly to make sure the product was competitive with any interest rate changes. I’ll gladly recommend his services to anyone and will be delighted to use his services again in the future. Read more
Would highly recommend - amazing service!I’m a first time buyer and the process of buying a property was very daunting to me. I knew very … little about how to get a mortgage and it started with a quick google search for the Mortgage Pod. I’m very grateful that I chose this company. Barry was brilliant, he talked me through every step of the process and took the time to explain every detail and answer any questions I had. Great communication throughout. I honestly cannot thank him and the company enough for all the work they have put in to help me get on to the property ladder. Thank you so much again! Read more
We were let down by a previous mortgage advisor and had lost hope in buying our first home any time soon. Then we were recommended the mortg … age pod (shout out to Sarah Oliver) and had a conversation with Barry - we had our mortgage in principle straight away. He helped us with everything from start to finish during the process of buying our first home and we couldn’t have been happier with the service provided. A really nice guy with lots of knowledge and fast replies to all our queries.Being first time buyers is so daunting but Barry took the time to explain and go over everything to ensure we were happy. Thanks so much, 10/10 wouldn’t use anyone else and would reccomend Barry/The mortgage pod to anyone who needs a mortgage advisor! Read more
Steve and Ebony have been amazing throughout the whole process, explaining everything in detail, making sure we are happy with all decisions … and are great are keeping up communication! They have been available on the phone whenever we need. I would highly recommend using The Mortage Pod! Great work. Read more
Mortgage Pod/ Steve has been absolutely brilliant throughout the whole process. He was really accommodating and took the time to explain eve … rything clearly, which made a big difference as a first-time buyer. He went through lots of payslips and documents without any fuss and made sure I understood every step. I felt really supported the whole way through. Would definitely recommend them to anyone looking for a mortgage advisor! Especially to doctors who have lots of locum payslips to work through! Also thanking Steve for the sweetest welcome card, my first piece of post to my new home! Read more
Barry was fantastic - really helpful and communicative. Went the extra mile. Highly recommend!
Barry from The Mortgage Pod was super helpful in assisting me in securing my first mortgage, as a whole of market broker he was able to find … em a great deal to suit my individual circumstances. Thanks very much Barry. Read more
As first-time buyers, we not only needed a mortgage advisor but also a guide through the buying process, and Barry Wise was exactly that. He … went out of his way to help us at every step, always making time for phone calls when we needed clarity or reassurance. Barry was patient, knowledgeable, and genuinely committed to finding the best outcome for us. We felt supported and informed throughout, and we wouldn’t hesitate to recommend him to anyone looking for expert, approachable mortgage advice. Read more
Great communication, and all of the team made the mortgage process as easy as possible
We couldn’t be happier with the outstanding service provided by Barry. From start to finish, we were guided through the mortgage process wit … h expertise, patience, and genuine care for what can be a very daunting and stressful process.Barry was always contactable, answering any questions we had. We would recommend The Mortgage Pod to anyone. Thank you Barry. Read more
Steve was helpful, knowledgeable, quick and really hard working and we are enormously grateful to him for his work. I can’t recommend Mortg … age Pod highly enough! Read more
Barry at The Mortgage Pod has been absolutely fantastic in assisting us with securing our first mortgage.He was fantastic in communicating … with us and no request was too much hassle for him.I would recommend their services to anyone and myself and my partner are extremely thankful for all his hard work. Read more
10/10 service really appreciated. We were a bit nervous initially but was very easy through Barry and we were always kept in the loop 😀
Barry was amazing. He was very knowledgeable, reassuring and professional every step of the way. He kept me informed of every step.
Barry has been such a superstar in all his advise and hard work. We never thought of getting a mortgage advisor but after being looked after … by Barry, we would not think of going elsewhere.Highly, highly recommend! Read more
Great service from Steve & the team. Kept us informed every step of the way and worked really hard to secure us a mortgage quickly. Would hi … ghly recommend and use again. Read more
The best advisor you can imagine. Five stars are not enough
After being told we could only get a mortgage at a real high rate and we’d have to wait another year for things to change we were put in con … tact with Steve who was brilliant from the very beginning of the process and sorted out a brilliant rate for us. Cannot fault the service from Steve and his team he’s helped us to be able to get the property we wanted.. Read more
Steve was exceptional in helping us secure a new mortgage earlier this year. Steve kept us in the loop at all times and worked hard to find … us the best mortgage deal to fit with our needs. He is professional, so helpful, and is great at explaining all the financial jargon to regular people like us! Absolute star 🌟 Read more
Steve is an amazing person, very helpful and informative. Straight on it with all updates and no question is too small. Would highly recomme … nd 👌 Read more
Steve was incredibly helpful in helping us sort the house and mortgage, would highly recommend
Steve was very helpful and friendly. Would recommend
Steve was very helpfull in buying our first home. Definitely will recommend him to our friends.
100/10 would recommend 100 times over. Steve answered all of my questions efficiently and quickly. He was always there to offer me advice an … d support. Could not recommend enough! Read more
Steve was excellent, especially since it was my first time buying. He went way beyond what he needed to do and made the whole process so muc … h easier. Read more
Steve was brilliant throughout the whole process - we needed a quick purchase of our rental property and Steve supported and pushed everythi … ng through. He dealt with accountants and curve balls like group formation companies very easily . Highly recommend Read more
Brilliant service...fantastic advice...all done from the comfort of my home and I have a mortgage that suits my needs ...totally recommend
Steve was brilliant in guiding us through securing a new mortgage for our property. He has helped us over many years with previous mortgage … deals and has been so helpful, knowledgeable and patient in answering our many questions. He really does have our best interests at heart and nothing is too much trouble. I would highly recommend The Mortgage Pod to anyone interested in getting the best deal tailored to their needs. Read more
Really clear and helpful information, properly explained. I felt confident I was getting good advice. Very smooth process and easy to deal w … ith. Highly recommend. Read more
Steve has been a great help and comfort over the years when it comes to mortgages! He is a great sounding board with the patience of a saint … ! Always ready to offer advice whenever needed - can’t thank him enough for his help! Read more
Steve helped us to find the best deal, handled all the stressful deadlines and overall ensured the whole process went through quickly and sm … oothly! Read more
Excellent service, highly reccomend The Mortgage Pod.
Amazing company, Nothing Steve and his team couldn’t do for us.Highly recommend them
Steve was immeasurably helpful in getting our mortgage organised. He made the entire process stress free and incredibly straightforward.
Absolutely fabulous service. Both Steve and Ebony were extremely friendly and helpful! I was well looked after and the team at the mortgage … pod made what could have been a stressful time much easier. Recommend for anyone looking for help/advice with a mortgage. I am based in Scotland in a listed building and Steve and Ebony had no issues helping me to find the right deal! Cheers guys. Read more
Steve was great,helped me with advice finding my home,helped me with getting my best deal and helped me with the legalities.Great communica … tion throughout.And will be using the mortgage pod again in a couple of years for my next deal. Read more
We couldn't be more grateful for the help and support from Steve at the Mortgage Pod. His commitment to meeting customer needs is incredible … and his communication and support through out the process made it less stressful and easier to navigate. Buying a home is one of the most stressful times for anyone but steve helped make it a smooth experience! Read more
Nothing but praise for the company. Steve has been an absolute diamond and helped me out with my remortage in order for me to clear my debts … to make my monthly outgoings alot cheaper! Read more
We recently worked with Steve and Chris at The Mortgage Pod to buy our new home, and we couldn’t recommend them highly enough.From the out … set, Steve carefully assessed our financial situation, offering us practical, clear advice that gave us the confidence to proceed. He took the time to understand our existing mortgage and helped us navigate porting it to our new property with ease.Chris provided a similar level of care with our protection needs, evaluating our current coverage and working with us to recommend tailored solutions to ensure we were well protected for our new circumstances.Their communication was outstanding throughout, which made a real difference in reducing the stress of the process. They were always responsive, using WhatsApp to make it easy for us to stay in touch even during work hours, and provided clear, thorough answers to every question we had along the way.Thanks to Steve and Chris, we felt supported, informed, and prepared at every stage. We’re so grateful for their guidance and expertise! Read more
The Mortgage Pod dealt with our mortgage from start to finish offering us regular updates with new rates and answering all manner of questio … ns. Their friendly yet professional approach made everything sp easy and straightforward. Using WhatsApp as a way of communication worked brilliantly! Helpful, knowledgeable, reliable, professional and friendly! Couldn’t have wished for a more easy process! Read more
Steve was absolutely incredible. Couldn’t have asked for more!
I cannot recommend The Mortgage Pod highly enough. Initially we were not even sure if we were even ready for this journey of buying our firs … t home but from the beginning to end, Steve was very attentive to our needs which were pretty complex based on the type of application required. Despite the complexity of our circumstances, everything was handled with precision and patience in exploring all possibilities with various lenders.Because of there patience and vast knowledge,we received our mortgage offer with the first lender we applied to🙂 and honestly, whole process just felt easy throughout than I expected (just get your paperwork in order as requested). If you're looking for a mortgage advisor who can take on challenging cases like ours was and still deliver excellent results, the mortgage pod is your solution. Read more
Really quick and easy process to remortgage with The Mortgage Pod. Barry was super helpful, explained everything so well and managed to get … me a much better interest rate than I could find elsewhere. Thank you! Read more
Steve was absolutely amazing throughout the whole purchasing process of our first home. We had no idea what we were doing and what to expect … but Steve helped answer questions no matter how silly or small. Helped us select the best mortgage that suited our needs and circumstances and also got us really competitive mortgage rate!I would recommend The Mortgage Pod to anyone that wants a smooth and easy experience purchasing a home. Thanks for all the help Steve! Read more
Steve at The Mortgage Pod was fantastic in helping us secure our first home. Our circumstances weren’t the most straight forward as a Ltd co … mpany director with only one years trading history.Steve was responsive, knowledgeable, and always available to answer our questions. He made the entire mortgage process smooth and stress-free, explaining everything clearly and ensuring we understood each step. Steve went above and handled everything efficiently, we highly recommend him to anyone looking for a dedicated, professional mortgage advisor. Thank you, Steve, for making our home-buying experience a great one! Read more
Steve was an outstanding mortgage broker who made the entire process smooth and stress-free. From the start, he took the time to explain all … my options clearly and was always available to answer any questions I had. His knowledge of the market and attention to detail ensured that I got the best possible deal. Steve went above and beyond to ensure everything stayed on track and was incredibly supportive throughout the entire process. I couldn’t have asked for a better experience and would highly recommend Steve to anyone looking for a reliable and professional mortgage broker. Read more
Could not be more grateful for the mortgage pod. Had no idea what to do and Steve gave us all our options to make an informed decision whils … t making the whole process as smooth as possible and securing us the best rate! Will never use anybody else. Thanks so much 😊 Read more
Steve got our initial mortgage for us and has renewed it twice over the years. Steve always manages to get us a good deal and helps us with … all the paperwork required. I’m self employed and this has never been an issue getting a mortgage. Highly recommend the mortgage pod. Read more
Good efficient and responsive
Steve has been incredible helping us purchase our first property. Always responsive and very hands on answering questions, finding out any i … nformation we need and chasing up estate agents and solicitors to help take the burden off. We also got the mortgage application and insurances recommended and sorted with no fuss.Would definitely reccomend! Read more
Always a great service from Steve from The Mortgage Pod. Excellent communication on WhatsApp, gets the job done quickly and very happy with … the mortgage he got me. Highly recommended Read more
Now you understand your affordability, talk to us about a mortgage
To get a clear picture of your mortgage affordability, it’s essential to understand all the costs involved in buying a property.
Speaking with a mortgage adviser can help you navigate these expenses and determine what fits within your budget. Contact The Mortgage Pod today for tailored mortgage advice based on your unique circumstances. We look forward to helping you!