What buying
a home in the UK
really costs.

The same £300,000 home costs a home mover £5,000 of Stamp Duty in England, £4,600 of LBTT in Scotland and £4,500 of Land Transaction Tax in Wales: three nations, three taxes, each computed by Payotte from the official rates.

£273,037
average UK home (UK HPI, August 2026)
£5,000
SDLT on a £300,000 home in England
£300,000
tax-free for first-time buyers in England
8%
ADS on a second home in Scotland
£1,204,072
Kensington and Chelsea, the dearest area covered
Stamp Duty on a £300,000 home in England, home mover £5,000 HMRC rates in force (14/10/2026) The calculation →

Where to look

The 10 areas with the most registered sales over twelve months (UK House Price Index), A to Z, then the 125 others. Average price August 2026.
All 135 areas on a map Average prices by area

Other areas: Aberdeenshire · Adur · Babergh · Bassetlaw · Bedford · Belfast · Blaby · Bolsover · Bolton · Bournemouth Christchurch and Poole · Bradford · Breckland · Brighton and Hove · Bury · Calderdale · Camden · Cardiff · Central Bedfordshire · Charnwood · Cheshire East · Cheshire West and Chester · City of Aberdeen · City of Bristol · City of Kingston upon Hull · City of Peterborough · City of Plymouth · City of Westminster · Clackmannanshire · Coventry · Crawley · Croydon · Cumberland · Doncaster · Dorset · Dudley · East Ayrshire · East Dunbartonshire · East Hertfordshire · East Riding of Yorkshire · East Suffolk · Eastleigh · Exeter · Falkirk · Fife · Flintshire · Gateshead · Greenwich · Hackney · Halton · Hammersmith and Fulham · Harborough · Highland · Hinckley and Bosworth · Horsham · Hyndburn · Ipswich · Kensington and Chelsea · Kirklees · Knowsley · Lambeth · Lancaster · Leicester · Lewisham · Liverpool · Manchester · Merton · Mid Suffolk · Mid Sussex · Milton Keynes · Moray · New Forest · Newcastle upon Tyne · North East Derbyshire · North Hertfordshire · North Lanarkshire · North Lincolnshire · North Northamptonshire · North Somerset · North Tyneside · Northumberland · Nuneaton and Bedworth · Oldham · Powys · Rossendale · Rotherham · Rutland · Salford · Sandwell · Sefton · Sheffield · Shropshire · Solihull · South Ayrshire · South Gloucestershire · South Hams · South Lanarkshire · South Staffordshire · South Tyneside · Southampton · Southwark · St Albans · St Helens · Stratford-on-Avon · Tameside · Teignbridge · Telford and Wrekin · Tendring · Test Valley · Tower Hamlets · Trafford · Wakefield · Walsall · Wandsworth · Warrington · Warwick · West Devon · West Lothian · West Northamptonshire · Westmorland and Furness · Wigan · Wirral · Wolverhampton · Worthing · Wrexham · York

Nations: England · Scotland · Wales · Northern Ireland

Five trades

For each, the register you can check yourself with the official body.

Top 10 property professionals in the UK

The best Payotte scores across all areas, at most 3 per network
Browse all →
The top 10 as a table
RankScore /100FirmTradeAreaGoogle rating (reviews)Status
185/100First MortgageLtdMortgage adviserBirmingham5 (1118)Selected
285/100Mortgage Select (SW) LtdLtdMortgage adviserSomerset5 (384)Selected
385/100Finance Planning GroupLtdMortgage adviserBrighton and Hove5 (183)Selected
484/100Whitegates Huyton Lettings & Estate AgentsLtdEstate agentKnowsley4.9 (428)Selected
584/100The Mortgage ShopLtdMortgage adviserBelfast4.9 (181)Selected
684/100Capital FinanceLtdMortgage adviserHackney5 (159)Selected
783/100Blacks Solicitors LLPLLPConveyancerLeeds4.5 (1033)Selected
883/100Threshold Mortgage AdviceLtdMortgage adviserSouthampton5 (667)Selected
983/100Independent Mortgage StoreLtdMortgage adviserCity of Glasgow5 (319)Selected
1082/100Choice Mortgage SolutionsLtdMortgage adviserTest Valley5 (378)Selected

Calculator and guides

Each nation's official rates, recomputed by an automatic check; 66 guides checked against the sources they cite, sorted by step.

How the list will be made

The same rules as in Canada, France and Belgium. The method in detail →
01
A company, never a person
Each profile presents a firm (its name, Companies House number and address). No person's name is published.
02
A title you check yourself
FCA Register, SRA, CLC, Law Society, RICS, redress scheme: the profile says where to check, with the official body.
03
One firm per area and trade
Chosen on public data under a published scale. Never chosen on its ability to pay: Payotte is free, with no ads or commission.

How much tax will your purchase cost?

Stamp Duty, LBTT or LTT, first-time buyer or second home: the calculation in a few seconds.

Calculate my purchase tax