£525,000 Property Transfer Tax & Mortgage in Greater London (2026)
Purchasing a £525,000 residential property in Greater London, United Kingdom incurs £13,750 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£105,000) and a 25-year mortgage at 4.62%, your monthly payment is £2,363/month.
Monthly Mortgage (25Y)
£2,363/mo
Loan: £420,000 @ 4.62%
Property Transfer Tax
£13,750
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £15,950
Total Cash Needed
£120,950
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £525,000 |
| UK Stamp Duty Land Tax (SDLT) (2.62%) | £13,750 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £15,950 |
| 20% Down Payment (Deposit) | £105,000 |
| Total Upfront Cash Required at Closing | £120,950 |
| Mortgage Principal Financed (80% LTV) | £420,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £2,363.20 / month |
| Total Interest Over 25 Years | £288,959 |