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Property Tax Calculators

Last updated: October 2026 · Updated for the 2026/27 tax year

Property involves several different taxes: Stamp Duty or its Scottish and Welsh equivalents when you buy, Income Tax and mortgage interest rules when you let, Capital Gains Tax when you sell, council tax throughout, and Inheritance Tax when you pass a home on. These calculators and guides cover each stage.

Buying and mortgages

Stamp Duty CalculatorYour SDLT bill including first-time buyer relief. LBTT Calculator (Scotland)Land and Buildings Transaction Tax, first-time buyer relief and ADS. Wales Land Transaction TaxHow LTT works in Wales. Mortgage RepaymentMonthly payments and total interest. Mortgage AffordabilityHow much you can borrow on your income. Mortgage OverpaymentInterest saved by overpaying each month. Rent vs BuyThe point at which buying beats renting. First-Time Buyer Stamp DutyHow the relief works and who qualifies.

Letting and selling

Buy-to-Let Tax and YieldRental profit after Section 24, tax and mortgage costs. SPV vs Personal OwnershipCompare owning rental property personally or through a company. Airbnb Host TaxTax on short-let income. Capital Gains TaxTax on a property or share sale before you complete. EPC Rating GuideEPC ratings and the 2030 landlord rules. Equity ReleaseHow interest erodes your equity over time.

Council tax, probate and inheritance

Council Tax Band CheckerThe band and charge for any UK property. Council Tax Rates 2026/27Every council ranked by Band D charge. Council Tax Bands ExplainedBands A to H and what they mean. Appeal Your BandHow to challenge a wrong band. Second Homes PremiumWhat a second home costs in council tax. Inheritance Tax CalculatorTax your estate might owe and how to reduce it. Probate CalculatorCourt fees and solicitor costs of administering an estate.

Which tax applies where

Location of the propertyTax when you buyNotes
England and Northern IrelandStamp Duty Land Tax (SDLT)0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5 million, 12% above. First-time buyers pay 0% to £300,000 and 5% to £500,000.
ScotlandLand and Buildings Transaction Tax (LBTT)First-time buyer relief raises the zero-rate band to £175,000. The Additional Dwelling Supplement applies to extra homes.
WalesLand Transaction Tax (LTT)No first-time buyer relief, but the standard zero-rate band is £225,000.

Landlords face further rules. Under Section 24, mortgage interest on residential lettings is no longer deducted from rental income; instead it earns a basic-rate (20%) tax credit, which can push higher-rate landlords into paying more tax than their cash profit suggests. Gains on selling UK residential property must usually be reported and paid within 60 days of completion, and the annual exempt amount for Capital Gains Tax is only £3,000. In England, councils can charge up to double council tax on second homes, and the amount depends on where the property is.

Where to start

First-time buyers should start with the stamp duty calculator and the mortgage affordability calculator. Landlords should begin with the buy-to-let calculator, then compare personal and company ownership if they own several properties. If you are selling, the Capital Gains Tax calculator shows the tax before you commit, and our guide to council tax bands helps you check that you are not paying too much on the property you live in.

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