UK Property & Mortgage Calculators

Buying a home in the UK threads through several distinct moving parts — Stamp Duty Land Tax (SDLT) in England and Northern Ireland (LBTT in Scotland, LTT in Wales), a 3-percentage-point surcharge on additional properties, the lender's affordability stress test, and the FCA's mortgage market review rules. The calculators in this hub model each one: monthly repayments under the standard annuity formula, the SDLT band stack with first-time-buyer relief, rental yield for landlords accounting for void weeks and management fees, and a buy-vs-rent comparison that weighs council tax, maintenance, and opportunity cost on the deposit. For first-time buyers, the Lifetime ISA bonus combined with the SDLT relief threshold typically sets the practical upper limit on what's affordable; the affordability calculator surfaces both constraints together.