UK property

3 posts in UK property.

UK Stamp Duty for non-residents and second homes 2026: how the 5% HRAD + 2% surcharge stack

UK SDLT 2026 for non-residents and second homes: 5% HRAD (raised from 3% in October 2024) + 2% non-resident surcharge. Stacks on top of standard rates...

18 - May - 2026

UK property

UK mortgage affordability 2026: how 4.5x LTI cap works + ways to push it to 5.5x or 6x

UK mortgage affordability 2026: Loan-to-Income (LTI) cap of 4.5x standard, 5.5x with new lenders (Halifax, Skipton). PRA stress test at 8% rate. SDLT ...

18 - May - 2026

UK property

How to calculate UK stamp duty in 2026: bands + first-time buyer + second home

UK Stamp Duty Land Tax (SDLT) for 2026 buyers: nil rate to GBP 125,000, then 2 percent to GBP 250K, 5 percent to GBP 925K, 10 percent to GBP 1.5M, 12 ...

17 - May - 2026