United Kingdom calculators for your second home
Built on UK rules: the 5% stamp duty surcharge, Scotland’s ADS, council tax premiums, buy-to-let stress tests and capital gains at 18% and 24%.
- Running costsSecond home running costsCouncil tax premium, insurance, bills and upkeep for a second home, in one figure.
- Purchase taxStamp duty on a second homeSDLT with the 5% surcharge, Scottish LBTT with ADS, or Welsh LTT.
- AffordabilitySecond home and buy-to-let affordabilityIncome multiples for a second home, or the maximum loan your rent supports.
- RefinanceRemortgage break-evenEarly repayment charges, product fees and the true cost over the fixed term.
- SellingCapital gains tax on a second homePrivate Residence Relief, the 18% and 24% rates, and your 60-day deadline.
- Any currencyFamily property cost splitShare a cottage or family home fairly by ownership, weeks of use, or both, and settle who owes whom.
United Kingdom guides
- GuideBuying a second home in the UKStamp duty surcharges across the three nations, deposits and mortgages.
- GuideSecond home council tax premiumsPremiums by nation, the holiday let day-count tests, and the 2028 surcharge.
- GuideSelling a second home: CGTRates, Private Residence Relief, nominating a main home, and the 60-day deadline.
- GuideHoliday let tax changesLife after the FHL regime, Section 24, and the 2027 property income rates.
Other countries: Canada · United States
Keep the numbers with the property
OwnersLog holds costs, receipts, owners, repairs, contacts and photos for a second property in one private record, so the figures are there when you need them.