£225,000 Property Transfer Tax & Mortgage in Wales (Cardiff) (2026)
Purchasing a £225,000 residential property in Wales (Cardiff), United Kingdom incurs £0 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£45,000) and a 25-year mortgage at 4.62%, your monthly payment is £1,013/month.
Monthly Mortgage (25Y)
£1,013/mo
Loan: £180,000 @ 4.62%
Property Transfer Tax
£0
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £2,200
Total Cash Needed
£47,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £225,000 |
| UK Stamp Duty Land Tax (SDLT) (0.00%) | £0 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £2,200 |
| 20% Down Payment (Deposit) | £45,000 |
| Total Upfront Cash Required at Closing | £47,200 |
| Mortgage Principal Financed (80% LTV) | £180,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £1,012.80 / month |
| Total Interest Over 25 Years | £123,839 |