£1,050,000 Property Transfer Tax & Mortgage in South East England (2026)
Purchasing a £1,050,000 residential property in South East England, United Kingdom incurs £46,250 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£210,000) and a 25-year mortgage at 4.62%, your monthly payment is £4,726/month.
Monthly Mortgage (25Y)
£4,726/mo
Loan: £840,000 @ 4.62%
Property Transfer Tax
£46,250
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £48,450
Total Cash Needed
£258,450
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £1,050,000 |
| UK Stamp Duty Land Tax (SDLT) (4.40%) | £46,250 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £48,450 |
| 20% Down Payment (Deposit) | £210,000 |
| Total Upfront Cash Required at Closing | £258,450 |
| Mortgage Principal Financed (80% LTV) | £840,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £4,726.39 / month |
| Total Interest Over 25 Years | £577,917 |