£200,000 Property Transfer Tax & Mortgage in Yorkshire & the Humber (Leeds) (2026)
Purchasing a £200,000 residential property in Yorkshire & the Humber (Leeds), United Kingdom incurs £0 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£40,000) and a 25-year mortgage at 4.62%, your monthly payment is £900/month.
Monthly Mortgage (25Y)
£900/mo
Loan: £160,000 @ 4.62%
Property Transfer Tax
£0
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £2,200
Total Cash Needed
£42,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £200,000 |
| 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) | £40,000 |
| Total Upfront Cash Required at Closing | £42,200 |
| Mortgage Principal Financed (80% LTV) | £160,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £900.26 / month |
| Total Interest Over 25 Years | £110,079 |
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