Stamp Duty Land Tax (SDLT) in England is charged in bands, so you pay different rates on different portions of the price. First-time buyers pay nothing on the first £300,000 (on purchases up to £500,000), and an additional property usually carries a surcharge.

This calculator covers England. Scotland and Wales have their own systems. Tax rules change, so always confirm the current position before you commit.

First-Time Buyer Mortgages First-Time Buyers FAQs

Other mortgage calculators

Mortgage repayment calculatorSee estimated monthly payments, interest and total cost.Mortgage affordability calculatorGet a guide to how much you could borrow.Mortgage deposit calculatorWork out your deposit, loan and loan to value.Mortgage deposit saving calculatorSee how long it could take to save your deposit.Total cost of buying a house calculatorBudget the full cash cost of buying a home.Mortgage deal comparison calculatorCompare two deals on rate, fees and fixed period.

View all mortgage calculators →

714 verified reviews, rated 5.0

267 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

Looking for a mortgage Helped me understand and obtained a mortgage for me to buy my own home Yes Nothing

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Wanted to buy a house and looked for a local advisor. He walked me through the whole mortgage process and securing a mortgage. Yes and couldn't ask for it to go any smoother or easier. Tom has been the best advisor anyone could ask for. His dedication and hard work made everything run smoothly. He really goes the extra mile and is always available for any questions you may have. Nothing, Tom offers the best service you can ask for.

Verified client in Cambridgeshire

Review of Tom Clifton

VouchedFor

We were first time buyers looking for a mortgage. Seth was amazing from the start, I was so anxious and worried about the process before but Seth helped to reassure me and kept us updated every step of the way. Yes, we have our dream home thanks to Seth and his help in getting us the best mortgage possible. Nothing!

Verified client in Lincolnshire

Review of Seth Jackson

714

Five-star reviews

5.0★

Average rating

Read all 714 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

01529 300500

Free until your offer is approved No jargon, no pressure Whole-of-market advice

Your home/property may be repossessed if you do not keep up repayments on your mortgage.