UK Property & Lending Engine
Mortgage & Stamp Duty Calculator
Model monthly repayments, Stamp Duty Land Tax (SDLT), and overpayment timeline acceleration
Loan & Property Details
£
£
Loan: £300,000LTV: 85.7%
Overpayment SimulatorReduce total interest & years
Monthly Mortgage Repayment
£1,616.83 / month
+ £100 overpayment = £1,716.83 / month
Stamp Duty (SDLT)
£5,000
Effective: 1.4%
Overpayment ImpactTerm reduced from 25 years to 22.6 years (2.4 years saved)
£20,348Interest Saved
Total Capital Borrowed£300,000
Total Interest Payable£185,048
Total Overall Cost£485,048
Stamp Duty Land Tax (SDLT) Tiers
| Band Range | Tax Rate | Taxable Chunk | Tax Due |
|---|---|---|---|
| Up to £250,000 | 0% | £250,000 | £0 |
| £250,001 to £925,000 | 5% | £100,000 | £5,000 |
| Total Stamp Duty Due | £5,000 | ||