Got questions about UK property finance and mortgages? This FAQ answers what UK homebuyers, homeowners, and property investors ask most — clearly and without jargon — and points you to a free app that handles the hard parts.
Quick How-To
- Start simple. Enter your basics once so everything is tailored to you.
- Log consistently. A few taps each time is all it takes.
- Act on the numbers. Let the app tell you the next step.
- Review and adjust. Use the trends to improve over time.
Frequently Asked Questions
Does it calculate Stamp Duty for first-time buyers?
Yes, it includes the current SDLT relief thresholds for first-time buyers.
Does it work for Scotland or Wales?
Yes, it includes calculators for LBTT (Scotland) and LTT (Wales).
Can I see how much an overpayment saves me?
Yes, the overpayment feature shows exactly how much interest you save and how much earlier you will be mortgage-free.
Does it account for interest rate changes?
You can input a specific interest rate for the calculation, though it assumes that rate remains constant for the illustration.
Do I need internet access?
No, all calculations are performed offline.
Is the app free?
Yes, the core calculators are free with an optional Pro upgrade.
What the Free App Does For You
UK Mortgage & Stamp Duty brings it all together:
- Monthly mortgage repayment calculator
- Amortization schedule (see interest vs. principal)
- Overpayment calculator (see how much time/interest you save)
- Stamp Duty Land Tax (SDLT) calculator for England & NI
- First-time buyer and additional property SDLT rates
- Support for LTT (Wales) and LBTT (Scotland)
…and more — all offline, private, and free with an optional ad-free Pro upgrade.