Property Affordability
Estimate standard England/Northern Ireland SDLT plus entered purchase costs for 2026/27.
Calculator currency
This rule-sensitive calculator is fixed to GBP (UK 2026/27) for England and Northern Ireland.
FinTrex result
UK Buying Costs Calculator
Estimated upfront buying costs
£14,200
Standard SDLT estimate
£10,000
Other entered purchase costs
£4,200
What changes this most?
Buying costs sit outside the deposit and can materially change the cash needed at completion.
Sensitivity check
A roughly 10% move in purchase price changes the modeled headline result by up to £2,000 in this setup.
Standard England/Northern Ireland residential SDLT only. Check current rules and reliefs before a transaction.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Formula
England and Northern Ireland standard residential SDLT bands are applied to the purchase price, then user-entered legal, survey, moving and other purchase costs are added.
Rule context
Reviewed against: GOV.UK: Stamp Duty Land Tax rates (verified 21 Aug 2026)
Adjust one assumption at a time to understand which inputs have the greatest effect. Compare several realistic scenarios rather than relying on a single projection.
Default assumptions are maintained by FinTrex and may not reflect current products or rates available to you. Review every input before using the estimate.
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