Terms

Last updated: July 2026. By using HomeBuyingCosts, you agree to these terms. If you do not agree, please do not use the site.

Nature of the service: HomeBuyingCosts provides independent information and estimation tools for people planning to buy a home in the UK. Content is for general information and planning only. It does not constitute regulated financial advice, legal advice or a formal tax calculation.

No guarantee of figures: No calculator on this site produces an official tax liability or a binding cost. Actual stamp duty is determined by HMRC, Revenue Scotland or the Welsh Revenue Authority, and actual fees are set by your conveyancer, lender and other providers. Use official calculators and professional advice where decisions have financial consequences.

Accuracy: We take reasonable steps to keep rates, thresholds and fee estimates accurate and up to date. However, tax rules and market fees change, and edge cases (such as non-UK resident surcharges, linked transactions or mixed-use property) may be treated differently. Verify important figures against GOV.UK or with your conveyancer before exchange and completion.

Limitation of liability: This site and its operators are not liable for any financial loss or decision taken in reliance on information provided here. Use the site as a starting point for your own research, not as a substitute for professional advice or an official calculation.

Third-party links: This site links to GOV.UK, HMRC, Revenue Scotland, the Welsh Revenue Authority and other external resources. We are not responsible for the content or accuracy of third-party sites.

Changes and availability: We may update, restrict or remove pages as rates and fees change. We do not guarantee uninterrupted access to any specific calculator or page.

Governing law: These terms are governed by the laws of England and Wales.

Questions about these terms: contact hello@homebuyingcosts.co.uk.

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