4 guides
Guides to UK Property Tax
Short explainers for the questions a calculator cannot answer: when the tax is due, whether it can be borrowed, and what actually changed in 2024 and 2025.
- What Is Stamp Duty?
A tax on buying property, charged by the government of the nation the property is in — which is why the UK has three versions of the same idea. - When Do You Pay Stamp Duty?
Not at exchange — at completion. The return and the payment are both due within 14 days of the effective date, and the clock is not generous. - Can You Add Stamp Duty to Your Mortgage?
Sometimes — but it is a lending decision, not a tax rule. There is no government scheme that lets you defer SDLT; whether it can be borrowed depends on the lender and the loan-to-value. - Stamp Duty Changes in 2024 and 2025
Two dates explain most of the confusion in older guides: 31 October 2024 (surcharges) and 1 April 2025 (thresholds).