Band-by-Band Calculation for £750,000
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 |
| £250,001 to £750,000 | 5% | £500,000 | £25,000 |
| Total Standard SDLT Liability | £27,500 | ||
£750,000 Mortgage & Affordability Context
Estimated 10% Deposit
£75,000
Upfront cash required
Est. Monthly Mortgage
£3,360/mo
At ~4.5% over 25 years
Household Income Needed
~£150,000/yr
At typical 4.5x lending cap
Upfront Total Cash
£102,500
10% Deposit + Standard SDLT