£300,000 Property Transfer Tax & Mortgage in Wales (Cardiff) (2026)
Purchasing a £300,000 residential property in Wales (Cardiff), United Kingdom incurs £2,500 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£60,000) and a 25-year mortgage at 4.62%, your monthly payment is £1,350/month.
Monthly Mortgage (25Y)
£1,350/mo
Loan: £240,000 @ 4.62%
Property Transfer Tax
£2,500
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £4,700
Total Cash Needed
£64,700
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £300,000 |
| UK Stamp Duty Land Tax (SDLT) (0.83%) | £2,500 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £4,700 |
| 20% Down Payment (Deposit) | £60,000 |
| Total Upfront Cash Required at Closing | £64,700 |
| Mortgage Principal Financed (80% LTV) | £240,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £1,350.40 / month |
| Total Interest Over 25 Years | £165,119 |