Band-by-Band Calculation for £250,000
SDLT is calculated in stepped progressive slices across each statutory rate band:
| SDLT Band | Statutory Rate | Taxable Portion | SDLT Due |
|---|---|---|---|
| Up to £125,000 | 0% | £125,000 | £0 |
| £125,001 to £250,000 | 2% | £125,000 | £2,500 |
| Total Standard SDLT Liability | £2,500 | ||
£250,000 Mortgage & Affordability Context
Estimated 10% Deposit
£25,000
Upfront cash required
Est. Monthly Mortgage
£1,120/mo
At ~4.5% over 25 years
Household Income Needed
~£50,000/yr
At typical 4.5x lending cap
Upfront Total Cash
£27,500
10% Deposit + Standard SDLT