£800,000 Property Transfer Tax & Mortgage in Wales (Cardiff) (2026)
Purchasing a £800,000 residential property in Wales (Cardiff), United Kingdom incurs £27,500 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£160,000) and a 25-year mortgage at 4.62%, your monthly payment is £3,601/month.
Monthly Mortgage (25Y)
£3,601/mo
Loan: £640,000 @ 4.62%
Property Transfer Tax
£27,500
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £29,700
Total Cash Needed
£189,700
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £800,000 |
| UK Stamp Duty Land Tax (SDLT) (3.44%) | £27,500 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £29,700 |
| 20% Down Payment (Deposit) | £160,000 |
| Total Upfront Cash Required at Closing | £189,700 |
| Mortgage Principal Financed (80% LTV) | £640,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £3,601.06 / month |
| Total Interest Over 25 Years | £440,318 |