How much can I borrow?

Contact us

What will my monthly payments be?

Contact us

Return on Investment (ROI)

Contact us


Our mortgage calculators give you an idea of what you could borrow based on the information you provide. This information is only a guide and we advise you to seek advice from a qualified mortgage broker such as Capital Place before making any decisions.

Getting a precise loan amount will depend on a range of factors, including: your income, monthly outgoings, the amount of deposit you have, your age, personal employment situation and credit score.


Stamp Duty Tax explain 

Stamp duty is the inevitable extra expense when you're buying a home – whether it's your first or your fifth. Stamp duty – or stamp duty land tax to give it its full title – is what you’ll pay to HMRC on top of what you’ve agreed to spend on a new home. How much do you need to budget for and when do you pay?

The tax is due on portions of the property price above £125,000 when you’re buying a house or flat. However, the rates of stamp duty vary depending on whether you are a first-time buyer, or you’ve bought a property before.

The easiest way to work out how much stamp duty you’ll have to pay on your only or additional house purchase? Use the government’s calculator and you won’t have to do the maths. 

Stamp duty on freehold properties will be payable as below:

Up to £125,000 – no tax payable

The next £125,000 (the portion from £125,001 to £250,000) - 2%

The next £675,000 (the portion from £250,001 to £925,000) - 5%

The next £575,000 (the portion from £925,001 to £1.5 million) -10%

The remaining amount (the portion above £1.5 million) - 12%

If you’re a first-time buyer who has never owned a residential property, you don’t have to pay stamp duty on the first £300,000 of the property value if you’re buying a home costing up to £500,000. You must pay 5% stamp duty on the portion between £300,001 and £500,000. That means the stamp duty threshold for first-time buyers is as follows:
Stamp duty for first time buyers

Up to £300,000 - 0%

The next 200,000 (the portion from £300,001 to £500,000) - 5%


If you already own a home and are buying another property, either to rent out, use as a holiday home, or for any other purpose, you’ll usually have to pay 3% on top of the normal stamp duty rates in England, Wales and NI or 4% in Scotland. This surcharge will also apply even if the main home you currently own is overseas.

Stamp duty on second homes

The remaining amount (the portion above £1.5 million) - 15%

Up to £125,000 – 3%

The next £125,000 (the portion from £125,001 to £250,000) - 5%

The next £675,000 (the portion from £250,001 to £925,000) - 8%

The next £575,000 (the portion from £925,001 to £1.5 million) -13%