£475,000 Property Transfer Tax & Mortgage in Greater London (2026)
Purchasing a £475,000 residential property in Greater London, United Kingdom incurs £11,250 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£95,000) and a 25-year mortgage at 4.62%, your monthly payment is £2,138/month.
Monthly Mortgage (25Y)
£2,138/mo
Loan: £380,000 @ 4.62%
Property Transfer Tax
£11,250
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £13,450
Total Cash Needed
£108,450
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £475,000 |
| UK Stamp Duty Land Tax (SDLT) (2.37%) | £11,250 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £13,450 |
| 20% Down Payment (Deposit) | £95,000 |
| Total Upfront Cash Required at Closing | £108,450 |
| Mortgage Principal Financed (80% LTV) | £380,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £2,138.13 / month |
| Total Interest Over 25 Years | £261,439 |