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Buying, owning or selling a home — here are free calculators for your mortgage, stamp duty and property tax, plus plain-English guides to how it all works, in one place.

Where to start

Calculators

Mortgage calculatorMonthly repayments, total interest, affordability and the upfront cost of buying.Mortgage overpayment calculatorSee how overpaying cuts the term and the interest you pay over the life of the loan.Stamp duty calculatorSDLT, LBTT and LTT for England, Scotland and Wales on the current thresholds.First-time buyer stamp dutyStamp duty with first-time buyer relief applied automatically.Buy-to-let CGT calculatorCapital Gains Tax on selling a rental or second property, from the sale and purchase prices.

Guides

How UK mortgages workRepayment vs interest-only, fixed vs variable, LTV and what actually drives your rate.How stamp duty worksHow the bands work, who pays the surcharge, and the reliefs that can cut the bill.

Common questions

How much stamp duty will I pay?

It depends on the price, where the property is (England and Northern Ireland use SDLT, Scotland LBTT, Wales LTT), whether you’re a first-time buyer, and whether it’s an additional property — which carries a surcharge. The stamp duty calculator applies the right bands and any relief for your situation.

What deposit do I need to buy a house?

Most lenders want at least 5%–10% of the price, and a bigger deposit usually unlocks a lower interest rate because it lowers the loan-to-value (LTV). On a £250,000 home, a 10% deposit is £25,000. The mortgage calculator shows how the deposit changes your monthly payment.

Should I overpay my mortgage?

Overpaying reduces the balance faster, which cuts both the term and the total interest — often by thousands. Check your deal’s annual overpayment limit (commonly 10%) to avoid early repayment charges first. The mortgage overpayment calculator shows the time and interest saved.

Do I pay tax when I sell a property?

There’s usually no Capital Gains Tax on your main home thanks to Private Residence Relief. But selling a buy-to-let or second property can trigger CGT on the gain above your £3,000 annual allowance, at 18% or 24% depending on your income. The buy-to-let CGT calculator estimates the bill.