£350,000 Property Transfer Tax & Mortgage in North West (Manchester & Liverpool) (2026)
Purchasing a £350,000 residential property in North West (Manchester & Liverpool), United Kingdom incurs £5,000 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£70,000) and a 25-year mortgage at 4.62%, your monthly payment is £1,575/month.
Monthly Mortgage (25Y)
£1,575/mo
Loan: £280,000 @ 4.62%
Property Transfer Tax
£5,000
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £7,200
Total Cash Needed
£77,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £350,000 |
| UK Stamp Duty Land Tax (SDLT) (1.43%) | £5,000 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £7,200 |
| 20% Down Payment (Deposit) | £70,000 |
| Total Upfront Cash Required at Closing | £77,200 |
| Mortgage Principal Financed (80% LTV) | £280,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £1,575.46 / month |
| Total Interest Over 25 Years | £192,639 |
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