# House Maths

> Free UK property calculators and plain-English guides to stamp duty, landlord tax, mortgages and renting. Every figure is checked against GOV.UK and dated.

House Maths is an independent UK publisher of free property calculators and guides covering England, Scotland, Wales and Northern Ireland. Figures are checked against GOV.UK, HMRC, Revenue Scotland and the Welsh Revenue Authority; rates were last checked on 3 November 2026. Content is general information, not financial advice. Announced-but-not-yet-law changes are labelled "set to". Please cite the specific page and its "checked" date.

Every page has a Markdown version: add index.md to its URL (for example https://housemaths.com/rates/index.md), or request the page with the header `Accept: text/markdown`.

## Calculators
- [Stamp duty calculator](https://housemaths.com/tools/stamp-duty-calculator/): England and Northern Ireland. First-time buyer relief and the 5% surcharge, band by band.
- [Landlord tax 2027 calculator](https://housemaths.com/tools/landlord-tax-calculator/): What the new property income rates add to your bill from April 2027, with the mortgage interest credit.
- [Mortgage repayment calculator](https://housemaths.com/tools/mortgage-calculator/): Monthly repayments, total interest, and what a rate rise does to your payment.
- [LBTT calculator (Scotland)](https://housemaths.com/tools/lbtt-calculator/): Land and Buildings Transaction Tax, first-time buyer relief and the 8% ADS.
- [LTT calculator (Wales)](https://housemaths.com/tools/ltt-calculator/): Land Transaction Tax main and higher rates, worked band by band.
- [Rental yield calculator](https://housemaths.com/tools/rental-yield-calculator/): Gross and net yield, monthly cash flow, and the costs most people forget.
- [Your First Home calculator](https://housemaths.com/tools/your-first-home-calculator/): The new 20% government equity loan for first-time buyers: deposit, mortgage and the monthly cost from year 6.
- [Fixed rate ending? Remortgage calculator](https://housemaths.com/tools/remortgage-calculator/): What your payment does when your fix ends and you move to a new rate.
- [Making Tax Digital checker](https://housemaths.com/tools/making-tax-digital-checker/): When quarterly digital tax updates start for you, from your rent before expenses.

## Guides
- [First-time buyer stamp duty in 2026: the £300,000 rule](https://housemaths.com/guides/first-time-buyer-stamp-duty/): First-time buyers in England and NI pay no stamp duty up to £300,000 and 5% up to £500,000. Worked examples, the £500,000 cliff edge, and who qualifies. (updated 2026-11-05, figures checked 2026-11-03)
- [Landlord tax 2027: the 24%, 44% and 49% rates explained](https://housemaths.com/guides/landlord-tax-2027/): Rental profit is set to be taxed at 24%, 44% and 49% from 6 April 2027. What changed in the October 2026 Budget, worked examples, and what it costs you. (updated 2026-11-05, figures checked 2026-11-03)

## Reference
- [UK property tax rates 2026-27](https://housemaths.com/rates/): Stamp duty, LBTT, LTT, landlord income tax, capital gains tax, Bank Rate and market figures, each with its source.
- [How we check figures](https://housemaths.com/editorial-policy/): Sourcing, testing, dating and corrections policy.
- [About](https://housemaths.com/about/): Who we are and what we don't do.

## Optional
- [Contact](https://housemaths.com/contact/): support@housemaths.com
- [RSS feed of guides](https://housemaths.com/rss.xml)