Stamp Duty by Employment & Income Type
Your income type determines your mortgage capacity, which determines your stamp duty bill. Find the guide that matches your situation.
Stamp duty changes from April 2025 increased costs for most buyers
The nil-rate threshold reverted from £250,000 to £125,000. First-time buyer relief now covers up to £300,000 (was £425,000). Factor these higher costs into your affordability planning.
10
Income Guides
4.5x
Typical mortgage multiple
5%
Additional property surcharge
£0
FTB SDLT under £300k
Employment & Income Types
PAYE Stamp Duty Affordability
How your PAYE salary determines mortgage capacity and stamp duty budget. See affordability at every income level.
- 4.5x salary mortgage multiple
- FTB relief under £300k
- Tax-efficient savings via ISA
Self-Employed Planning
Lenders use 2-3 years of tax returns to assess income. Your SA302 determines your mortgage — and your stamp duty budget.
- 2-3 year income average
- >25% ownership = self-employed
- Net vs gross profit rules
IR35 & Contractor Guide
IR35 status determines take-home pay and mortgage options. Inside IR35 reduces affordability 14-25%.
- IR35 reduces take-home 14-25%
- 17% corporate rate over £500k
- Day-rate to mortgage conversion
Multiple Income Sources
Combining PAYE jobs, freelance income, and side hustles for mortgage qualification. Lender rules on tenure and stability.
- 6-12 month tenure on 2nd job
- Not all income counts equally
- Overtime and bonus rules
Commission & Variable Income
Lenders average commission over 2-3 years. Bonus-heavy roles need careful SDLT budgeting for income volatility.
- 2-3 year commission average
- Some lenders use 50% of bonus
- Guaranteed vs variable split
Profession-Specific Guides
Doctor & NHS Stamp Duty
From F1 at £29k to Consultant at £110k+. NHS relocation support and specialist medical mortgages.
- F1 £29k → Consultant £110k+
- Specialist medical mortgages
- NHS relocation packages
Teacher Stamp Duty Guide
NQT starting at £30.6k, upper pay at £50-65k. Specialist lenders offer enhanced multiples for teachers.
- NQT £30.6k start
- 5-5.5x specialist multiples
- TPS pension benefits
Police & Military Stamp Duty
Forces Help to Buy: up to 50% salary (max £25k) interest-free loan. Can fund stamp duty directly.
- Forces HTB: max £25k loan
- Can fund SDLT directly
- Frequent relocation rules
City & Finance Stamp Duty
Base £150-300k with total comp up to £2M+. 5% surcharge at £500k+, 17% corporate rate for company purchases.
- Total comp £300k–£2M+
- 5% additional rate above £500k
- Bonus timing strategies
Graduate First Property
Entry salary £24-35k means 5-7 year saving timeline. LISA, shared ownership, and FTB relief strategies.
- LISA 25% bonus
- 5-7 year savings timeline
- FTB relief saves up to £6,250
Calculate Your Stamp Duty
See exactly how much stamp duty you need to factor into your income-based affordability plan.
Calculate Now