This calculator helps you work out how much mortgage you might be able to borrow based on your income. Sometimes taking out a joint mortgage can increase the amount you can borrow, especially if you both have well-paid jobs. Our calculator will provide an approximation of how much you're likely to be able to borrow but please remember this amount will vary from lender to lender and will also depend on things like your monthly credit commitments. Most importantly you need to be comfortable with the payments, not just now but also in the long term.
Stamp Duty Land Tax (SDLT) is a tax on properties bought in England and Northern Ireland. You'll need to pay it when you buy a residential property that costs more than £125,000. Use our calculator to work out how much Stamp Duty you'll need to pay on your new home. You can also use it to work out how much you'll pay on an additional property that costs more than £40,000, like a buy to let or second home, which attracts an extra 3% charge.
I've been working in the business since I was 19 and can only say I have a passion for property. My wife and I have just finished refurbishing our own little cottage in Ludlow so I can especially relate to any of our clients who are tackling a project! We love living and working in Herefordshire where the culture and countryside have so much to offer - when Im not at work, my wife and I love National Trust properties and walking our dogs Harvey the daschund and Pebble the shih tzu, and eating our way around town.