What this includes
The monthly figure is the repayment. Stamp duty is cash you pay before you get the keys — first-time, standard, or an additional dwelling.
United Kingdom
The monthly number is not the payment.
Four planning tools for UK buyers and owners: monthly repayment cost, a price ceiling, remortgage break-even, and SDLT for England and Northern Ireland.
Mortgage
Principal and interest plus insurance and service charge — the monthly number the payment quote leaves out. Extra principal is a first-class input.
Afford
The highest price at which owner cost is 28% of gross income, with how lenders in this market actually test it.
Refinance
Months to recover switching costs from a lower payment. Compare the break-even period with how long you expect to keep the new loan.
Stamp & taxes
SDLT for standard, first-time and additional-dwelling buyers.
Official sources used for United Kingdom
- GOV.UK — SDLT residential property rates (bands from 1 April 2025)
- GOV.UK — SDLT on additional residential property
- HMRC — SDLT Manual SDLTM00050 (tax rounded down to the nearest pound)
Rules checked on 24–25 September 2026.