SDLT estimator for England and Northern Ireland (residential bands) with optional higher-rate surcharge for additional dwellings, plus deposit (from LTV), other acquisition costs, and disclosed sourcing fee to compute total cash to complete. Scotland uses LBTT, Wales uses LTT, and the surcharge logic differs there.
Stamp duty and cash to complete calculator
SDLT estimator for England and Northern Ireland (residential bands) with optional higher-rate surcharge for additional dwellings, plus deposit (from LTV), other acquisition costs, and disclosed sourcing fee to compute total cash to complete. Scotland uses LBTT, Wales uses LTT, and the surcharge logic differs there.
Calculation Formula
SDLT is computed using a banded residential rate staircase. Total = SDLT + (price × (1 − LTV)) + otherAcquisitionCosts + sourcingFee.
How to Use This Calculator
- Enter the purchase price.
- Choose the rate schedule: higher rates for additional dwellings, or standard for a single main residence without first-time-buyer relief.
- Enter other acquisition costs (legals, broker, survey, lender fees) and the disclosed sourcing fee where relevant.
- Optionally enter the LTV to derive the deposit (price × (1 − LTV)).
- Read SDLT, deposit, other costs, sourcing fee, and total cash to complete. Verify SDLT against the current GOV.UK calculator for your completion date.