https://mortgageandstampduty.co.uk/ Free UK stamp duty and mortgage guides for England, Scotland and Wales. en-gb Tue, 15 Sep 2026 20:53:37 +0000 https://mortgageandstampduty.co.uk/guides/equity-release https://mortgageandstampduty.co.uk/guides/equity-release Mon, 14 Sep 2026 00:00:00 +0000 How equity release actually works in the UK, what it costs, the pros and cons, and the alternatives worth ruling out first — including using it to clear an existing mortgage. https://mortgageandstampduty.co.uk/guides/add-stamp-duty-to-mortgage https://mortgageandstampduty.co.uk/guides/add-stamp-duty-to-mortgage Sun, 13 Sep 2026 00:00:00 +0000 Yes, many lenders let you borrow your stamp duty as part of the mortgage — but it costs more over the term. Here's how it works and what to weigh up first. https://mortgageandstampduty.co.uk/guides/moving-house-checklist https://mortgageandstampduty.co.uk/guides/moving-house-checklist Sun, 13 Sep 2026 00:00:00 +0000 A complete moving house checklist — what to arrange before moving day, what happens with the keys, and every organisation you need to tell about your new address. https://mortgageandstampduty.co.uk/guides/scotland-stamp-duty-calculator https://mortgageandstampduty.co.uk/guides/scotland-stamp-duty-calculator Sun, 13 Sep 2026 00:00:00 +0000 Calculate LBTT — Land and Buildings Transaction Tax, Scotland's version of stamp duty — instantly. Current rates, first-time buyer relief, and the Additional Dwelling Supplement. https://mortgageandstampduty.co.uk/guides/stamp-duty-exemptions-and-special-cases https://mortgageandstampduty.co.uk/guides/stamp-duty-exemptions-and-special-cases Sun, 13 Sep 2026 00:00:00 +0000 When you don't pay stamp duty at all, the 2% surcharge for non-UK residents, and how shared ownership stamp duty actually works — with worked examples. https://mortgageandstampduty.co.uk/guides/wales-stamp-duty-calculator https://mortgageandstampduty.co.uk/guides/wales-stamp-duty-calculator Sun, 13 Sep 2026 00:00:00 +0000 Calculate Land Transaction Tax (LTT) — Wales's version of stamp duty — instantly. Current rates and bands, plus the additional property surcharge. https://mortgageandstampduty.co.uk/guides/cant-pay-mortgage-options https://mortgageandstampduty.co.uk/guides/cant-pay-mortgage-options Thu, 27 Aug 2026 00:00:00 +0000 What actually happens if you miss mortgage payments, and the real options available before repossession — from lender forbearance to free debt advice. https://mortgageandstampduty.co.uk/guides/mortgage-overpayments-explained https://mortgageandstampduty.co.uk/guides/mortgage-overpayments-explained Sat, 22 Aug 2026 00:00:00 +0000 See how a small monthly overpayment could save over £30,000 in interest and years off your mortgage, plus the myths that trip people up. https://mortgageandstampduty.co.uk/guides/buying-with-a-partner-or-friend https://mortgageandstampduty.co.uk/guides/buying-with-a-partner-or-friend Fri, 21 Aug 2026 00:00:00 +0000 Buying jointly? See how one buyer's property history can affect stamp duty for everyone on the purchase, with a real worked example. https://mortgageandstampduty.co.uk/guides/fixed-vs-variable-mortgages https://mortgageandstampduty.co.uk/guides/fixed-vs-variable-mortgages Fri, 21 Aug 2026 00:00:00 +0000 Compare fixed and variable mortgage rates with a real worked example, so you can see what a rate change could actually cost you before choosing. https://mortgageandstampduty.co.uk/guides/offer-to-completion-timeline https://mortgageandstampduty.co.uk/guides/offer-to-completion-timeline Fri, 21 Aug 2026 00:00:00 +0000 See exactly what happens at each stage of buying a house in the UK, how long it typically takes, and what causes the most delays. https://mortgageandstampduty.co.uk/guides/other-costs-buying-a-house https://mortgageandstampduty.co.uk/guides/other-costs-buying-a-house Fri, 21 Aug 2026 00:00:00 +0000 Stamp duty isn't the only cost. See every fee you need to budget for when buying a house, from legal fees and surveys to moving costs. https://mortgageandstampduty.co.uk/guides/remortgaging-explained https://mortgageandstampduty.co.uk/guides/remortgaging-explained Fri, 21 Aug 2026 00:00:00 +0000 Short answer: usually not. See the one common situation where remortgaging genuinely can trigger a stamp duty bill. https://mortgageandstampduty.co.uk/guides/scotland-vs-england-stamp-duty https://mortgageandstampduty.co.uk/guides/scotland-vs-england-stamp-duty Fri, 21 Aug 2026 00:00:00 +0000 See exactly how LBTT (Scotland) and SDLT (England) differ: rates, surcharges, first-time buyer relief and refund windows compared. https://mortgageandstampduty.co.uk/guides/mortgage-deposit-guide https://mortgageandstampduty.co.uk/guides/mortgage-deposit-guide Wed, 19 Aug 2026 00:00:00 +0000 Find out how much deposit you need for a mortgage in 2026, how it affects your interest rate, and how to calculate your own numbers instantly. https://mortgageandstampduty.co.uk/guides/reduce-stamp-duty-second-home https://mortgageandstampduty.co.uk/guides/reduce-stamp-duty-second-home Wed, 19 Aug 2026 00:00:00 +0000 Discover which second home stamp duty reductions are genuinely legal, and which common myths (like transferring to a spouse) don't actually work. https://mortgageandstampduty.co.uk/guides/stamp-duty-holidays-explained https://mortgageandstampduty.co.uk/guides/stamp-duty-holidays-explained Wed, 19 Aug 2026 00:00:00 +0000 Find out what a stamp duty holiday is, what happened during the COVID-era holiday, and why waiting for another one is riskier than it seems. https://mortgageandstampduty.co.uk/guides/first-time-buyer-relief-compared https://mortgageandstampduty.co.uk/guides/first-time-buyer-relief-compared Sun, 09 Aug 2026 00:00:00 +0000 Compare first-time buyer stamp duty relief in England, Scotland and Wales, and see exactly what you'd pay on the same property in each nation. https://mortgageandstampduty.co.uk/guides/stamp-duty-second-homes https://mortgageandstampduty.co.uk/guides/stamp-duty-second-homes Sun, 09 Aug 2026 00:00:00 +0000 See exactly how much stamp duty you'll pay on a second home or buy-to-let in 2026, plus how to reclaim the surcharge if you sell your old home.