Landlords
SDLT Advice
Minimise your Stamp Duty Land Tax when buying property
Overview
SDLT can add 15% to your property purchase price. Smart planning before exchange of contracts can significantly reduce your liability.
We advise landlords and property investors on SDLT minimisation. Whether you're buying a single property or a portfolio, we identify reliefs, structure optimally, and ensure compliance.
Plan before you commit. Once contracts are exchanged, SDLT exposure is locked.
Key Areas Covered
What we cover as part of this service.
- SDLT rates and bands (higher rates for additional properties)
- Multiple property relief (buying several properties in one transaction)
- Sum of lower proportions relief (buying with debt)
- Connected party rules and spouse relief
- Lease vs. freehold purchase implications
- First-time buyer relief (where applicable)
- Corporate purchase vs. individual purchase structuring
- Clawback and timing considerations
Common Issues We Solve
Problems we see regularly — and how we fix them.
Overpaying SDLT
Many buyers don't plan in advance, missing relief opportunities. Strategic structuring can reduce SDLT significantly.
Multiple Property Purchases
Buying a portfolio? Multiple property relief and sum of lower proportions relief can reduce exposure dramatically. We structure optimally.
Connected Party Complications
Buying from relatives or connected parties? Rules are different. We ensure you claim relief you're entitled to while avoiding clawback.
Pricing for This Service
Clear fees. Fixed fee confirmed in writing before we begin.
Priced on consultation
Landlord/Self-Employed or Private Clients Package — depends on complexity.
Fixed quote provided before we begin.
Get Your Fixed QuoteFrequently Asked Questions
Buy-to-let properties are subject to a 3% surcharge on top of standard SDLT rates. So first £250k is 3%, £250k-£925k is 5%, etc.
No standard relief if this is your second residential property. However, if buying multiple properties in one transaction, multiple property relief may apply. We assess your situation.
If you're taking on mortgage debt, relief is calculated using the sum of lower proportions formula, which can reduce your SDLT significantly. We calculate your exposure precisely using this method.
Corporate purchases have different SDLT treatment. Whether this saves tax depends on your specific circumstances. We advise if it makes sense for you.
Joint ownership is standard. If one spouse bought before and you're now buying again, higher rate surcharge applies to your purchase even if you're first-time buyer individually. Plan accordingly.
Why Choose UA Tax
Relief Expertise
We maximise reliefs available to you (multiple property, sum of lower proportions, connected party).
Advance Planning
Early involvement means we identify opportunities before you commit. Once contracts exchanged, options are limited.
Precision Calculation
We calculate your SDLT exposure exactly, accounting for all factors.
Ready to discuss your SDLT position?
Book a consultation and we will confirm what you need and provide a fixed fee quote.