United Kingdom version
How it works
England and Northern Ireland SDLT, Scotland LBTT and Wales LTT use distinct researched schedules. Relief and surcharge eligibility must be checked first. Ireland uses researched residential, qualifying apartment-block, non-residential and bulk-acquisition schedules. Canada adds seven provincial references, Toronto municipal bands, 49 Nova Scotia municipalities and two named Quebec city schedules; other Quebec municipalities and unsupported transfers require a separately verified manual amount.
This is the United Kingdom planning view, with monetary inputs and outputs in GBP. A currency label does not establish that a tax rate, construction price, coverage rule or legal limit has been verified locally. The inputs and limitations below describe the actual scope.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
10-
?price=Property considerationMoney · Required · Default: 300,000
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?method=Schedule or verified manual amountChoice · Required · Default: uk-residential · Accepted values: manual, ca-residential, uk-residential, ie-residential, ie-apartment-block, ie-non-residential, ie-bulk-residential
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?propertyNation=UK property nationChoice · Required · Default: england · Accepted values: england, northern-ireland, scotland, wales
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?firstTimeBuyer=All first-time buyer relief conditions independently verifiedTrue or false · Optional · Default: false
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?additionalProperty=Higher/additional-property charge applies after checking ownership and replacement rulesTrue or false · Optional · Default: false
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?nonResident=England/NI non-resident surcharge applies under the SDLT testTrue or false · Optional · Default: false
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?verifiedTax=Manual: transfer tax from the applicable authorityMoney · Required · Default: 0
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?surcharge=Manual: verified additional percentage-point surchargePercentage · Required · Default: 0
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?relief=Manual: independently verified relief amountMoney · Required · Default: 0
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?rulesConfirmed=Current ordinary individual-purchase rules verified; no company, mixed-use, lease-rent, linked or transitional caseTrue or false · Optional · Default: false
Outputs
5-
baseTaxStandard or relief-adjusted base taxCurrency · Currency: GBP
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transferReliefConditional transfer-duty relief (Canada only)Currency · Currency: GBP
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refundableCreditLater refundable Quebec income-tax credit (not deducted from duty)Currency · Currency: GBP
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taxModeled total transfer taxCurrency · Primary output · Currency: GBP
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cashRequiredPrice plus modeled transfer taxCurrency · Currency: GBP
Formula
Apply the selected nation’s marginal bands; apply eligible first-time buyer bands, then its additional-property/non-resident rule. Manual mode uses entered tax + price × surcharge − relief.
Calculations retain numeric precision internally. Displayed values are rounded for readability. Quantities that must be purchased as whole units are rounded up only where the formula explicitly requires it.
Read the inputs before calculating
- Property consideration: Enter the quantity described by the label.
- Schedule or verified manual amount: Enter the quantity described by the label.
- UK property nation: Enter the quantity described by the label.
- All first-time buyer relief conditions independently verified: Enter the quantity described by the label. Leave this unconfirmed until you have actually checked the required condition.
- Higher/additional-property charge applies after checking ownership and replacement rules: Enter the quantity described by the label. Leave this unconfirmed until you have actually checked the required condition.
- England/NI non-resident surcharge applies under the SDLT test: Enter the quantity described by the label. Leave this unconfirmed until you have actually checked the required condition.
- Manual: transfer tax from the applicable authority: Enter the quantity described by the label.
- Manual: verified additional percentage-point surcharge: Enter the quantity described by the label.
- Manual: independently verified relief amount: Enter the quantity described by the label.
- Current ordinary individual-purchase rules verified; no company, mixed-use, lease-rent, linked or transitional case: Enter the quantity described by the label. Leave this unconfirmed until you have actually checked the required condition.
Reproducible worked example
The following is a fictional arithmetic example, not a local quote, a verified claimant or a market forecast. Its values are included so the formula can be checked. The form does not automatically confirm any verification checkbox.
Current ordinary individual-purchase rules verified; no company, mixed-use, lease-rent, linked or transitional case: assumed confirmed solely for this fictional demonstration
| Input | Example value |
|---|---|
| Property consideration | 300,000 |
| Schedule or verified manual amount | uk-residential |
| UK property nation | england |
| All first-time buyer relief conditions independently verified | false |
| Higher/additional-property charge applies after checking ownership and replacement rules | false |
| England/NI non-resident surcharge applies under the SDLT test | false |
| Manual: transfer tax from the applicable authority | 0 |
| Manual: verified additional percentage-point surcharge | 0 |
| Manual: independently verified relief amount | 0 |
| Current ordinary individual-purchase rules verified; no company, mixed-use, lease-rent, linked or transitional case | true |
| Output | Calculated result |
|---|---|
| Standard or relief-adjusted base tax | GBP 5,000 |
| Conditional transfer-duty relief (Canada only) | GBP 0 |
| Later refundable Quebec income-tax credit (not deducted from duty) | GBP 0 |
| Modeled total transfer tax | GBP 5,000 |
| Price plus modeled transfer tax | GBP 305,000 |
Interpreting a changed assumption
Start with one complete scenario and change only one input when diagnosing a difference. Recheck units, the period of every rate, whether an amount is recurring or one-off, and whether a cost is already included elsewhere. A larger calculated benefit is not evidence that an assumption is more likely to occur.
Limitations
- Planning calculation, not a tax return, benefit decision, credit approval or legal opinion. No eligibility is inferred from a numeric result.
- Only the stated tax year and expressly supported rule components are included. Entered amounts require independent verification.
- England ordinary residential schedule checked 2026-09-24. Eligibility, historic/transitional contracts, refunds, companies, linked/mixed-use transactions and new-lease rent are not calculated.
Frequently asked questions
What does this Property Transfer Tax Planner result represent?
England and Northern Ireland SDLT, Scotland LBTT and Wales LTT use distinct researched schedules. Relief and surcharge eligibility must be checked first. Ireland uses researched residential, qualifying apartment-block, non-residential and bulk-acquisition schedules. Canada adds seven provincial references, Toronto municipal bands, 49 Nova Scotia municipalities and two named Quebec city schedules; other Quebec municipalities and unsupported transfers require a separately verified manual amount. It applies the displayed formula to your inputs; it does not infer omitted facts.
Are the starting amounts verified United Kingdom prices or legal rules?
No. Numeric defaults are illustrative unless an input or dated reference explicitly identifies a researched component. Currency is GBP; local quotes, eligibility and unsupported rules must be entered and verified separately.
What must I check before relying on the result?
Planning calculation, not a tax return, benefit decision, credit approval or legal opinion. No eligibility is inferred from a numeric result. Only the stated tax year and expressly supported rule components are included. Entered amounts require independent verification.
Can I compare or share different assumptions?
Change one assumption at a time and use the browser-local project or share controls. A shared URL contains the encoded input values; do not include information you do not wish to disclose.
Sources and reference scope
- UK income authority — retrieved 2026-09-24. Use only the expressly supported schedule components; this link does not validate unrelated taxes.
- HMRC residential SDLT rates — retrieved 2026-09-24. England/NI standard, first-time buyer and surcharge schedules.
- Revenue Scotland residential LBTT — retrieved 2026-09-24. Scottish ordinary residential bands and first-time buyer relief.
- Revenue Scotland ADS — retrieved 2026-09-24. Additional-dwelling threshold and 8% rate; transitional contracts excluded.
- Welsh Revenue Authority LTT rates — retrieved 2026-09-24. Welsh main and higher bands, not an SDLT surcharge.
- WRA higher rates guidance — retrieved 2026-09-24. Check purchaser/ownership and replacement conditions; no eligibility inferred.
These references support only their stated scope. They are not evidence that every local rule or price needed by the master expansion has been loaded.