Mortgage Advice in Guildford: Property, Schools & Local Area Guide
Mortgage Advice in Guildford: Property, Schools & Local Area Guide
Whether you're buying your first home in Guildford, remortgaging, upsizing or simply researching the area — this guide covers what buyers and homeowners actually want to know.
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üí¨ WhatsApp Us Contact Us That's Family Finance is an FCA-regulated protection adviser. We do not arrange mortgages ourselves ‚Äî by submitting your details you agree to be introduced to a carefully selected, FCA-regulated mortgage adviser.Quick answers about Guildford
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Is Guildford a good place to live?⌄
Yes — fast rail to London Waterloo, a historic cobbled High Street, a major university and the Surrey Hills make it one of Surrey's most desirable county towns.
Guildford's appeal rests on a combination that few places match: fast South Western Railway services to London Waterloo (approximately 35–40 minutes), a genuinely historic town centre built around the cobbled High Street and its projecting Guildhall clock, the University of Surrey and the Surrey Research Park, strong schools across both the independent and state sectors, and the surrounding Surrey Hills villages. The result is an affluent, settled county town that people choose deliberately. Property values are high and turnover in established roads is comparatively low — a reliable indicator of long-term resident satisfaction.
Sources: southwesternrailway.com — timetables | reports.ofsted.gov.uk — school inspections
Is Guildford expensive?⌄
Yes — among the more expensive places to buy in Surrey, reflecting its rail links, schools, university and Surrey Hills setting.
Flats and maisonettes typically start from around £250,000–£400,000, making them the most accessible entry point for first-time buyers. Terraced and smaller semi-detached homes generally range from £450,000–£625,000, while larger semi-detached and detached family homes typically sit between £700,000 and £1.2m+. Prime roads in Onslow Village, the Mount, Merrow and the affluent Surrey Hills villages go significantly higher. Prices are supported by consistent demand — the rail, school, university and lifestyle combination keeps competition for well-presented family homes strong across market conditions.
Sources: landregistry.data.gov.uk — Price Paid Data | gov.uk/council-tax-bands — VOA band checker
What salary do you need to buy in Guildford?⌄
Roughly £73,000 for a flat up to £200,000+ for a larger family home — based on 4.5x income multiples.
Most mortgage lenders apply affordability multiples of around 4–4.5x annual income, though some go higher for certain profiles. Using 4.5x as a guide: a flat at ~£330,000 may require a household income of approximately £73,000; a terraced or smaller semi at ~£540,000 requires roughly £120,000; a larger semi or detached at ~£850,000 requires around £189,000. These are illustrative only — actual affordability depends on deposit size, existing commitments, credit profile and lender criteria. A whole-of-market adviser can confirm exactly what's achievable for your circumstances.
Sources: thatsfamilyfinance.co.uk/contact-us | landregistry.data.gov.uk
Are schools good in Guildford?⌄
Yes — strong independents and state schools, with two state secondaries rated Outstanding and the University of Surrey on the doorstep.
Guildford has an exceptional spread of education. Independents include the Royal Grammar School Guildford, Guildford High School and Tormead. State secondaries include George Abbot School (Ofsted: Good), Guildford County School (Ofsted: Outstanding) and St Peter's Catholic School (Ofsted: Outstanding). The University of Surrey and Guildford College cover higher and further education. The key practical point for buyers: catchments, faith criteria and independent admissions all matter — where you buy within Guildford can directly affect priority. Always verify admissions directly with each school and Surrey County Council before relying on proximity alone.
Sources: reports.ofsted.gov.uk | surreycc.gov.uk/schools-and-learning
Is Guildford good for commuters?⌄
Yes — approximately 35–40 minutes to London Waterloo on South Western Railway, plus the A3 and the M25 at Junction 10.
South Western Railway services from Guildford reach London Waterloo in approximately 35–40 minutes, with additional connections to Portsmouth, Reading and Gatwick Airport — a key reason Guildford commands a premium. For City, West End and West London workers, the journey time and choice of routes are highly competitive. Road links via the A3 (to London and Portsmouth) and the M25 at Junction 10 give further flexibility, and local bus services connect the town centre, the university and surrounding villages. Test the exact journey at your normal travel time before relying on it as part of your daily routine.
Sources: southwesternrailway.com — timetables | nationalrail.co.uk — journey planner
What should buyers know before offering on a Guildford property?⌄
Check flood risk by postcode (the River Wey runs through town), stamp duty cost, the two-tier council tax and school admissions before committing.
The River Wey runs through the centre of Guildford and the town has a real flood history — most notably the winter 2013/14 floods — so flood risk should always be checked by individual postcode via the GOV.UK service, not by town name alone. Use the government's SDLT calculator to understand your stamp duty liability before budgeting — at Guildford price levels it is a significant cost. Council tax is two-tier (Surrey County Council, Guildford Borough Council and the Surrey Police precept, plus any parish), so confirm the band and full charge. And check school admissions and catchments directly before relying on proximity.
Sources: check-long-term-flood-risk.service.gov.uk | SDLT calculator | guildford.gov.uk/counciltax
Is Guildford right for you?
Guildford is one of Surrey's most desirable county towns — well-connected to London via South Western Railway (approximately 35–40 minutes to Waterloo), with a historic cobbled High Street, the University of Surrey and Surrey Research Park, strong schools and the Surrey Hills on the doorstep. It is an affluent, settled location with high property values and consistent long-term demand.
| Buyer Type | Rating | Why |
|---|---|---|
| First-Time Buyers | ‚òÖ‚òÖ‚òÖ‚òÜ‚òÜ | Prices are high for the South East, but flats and maisonettes near the town centre and the university offer a route in. |
| London Commuters | ★★★★★ | South Western Railway to Waterloo in ~35–40 mins, plus the A3 and M25 (J10) — one of Surrey's strongest commuter towns. |
| Families | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÖ | Outstanding-rated state schools, leading independents, parks and the Surrey Hills make Guildford a family favourite. |
| Upsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÖ | Excellent range of larger detached and semi-detached family homes, especially in Merrow, Onslow Village and the Mount. |
| Downsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Strong amenities, a walkable historic centre and excellent transport make it a practical long-term choice. |
Property prices & council tax in Guildford
Understanding the cost of living in Guildford goes beyond the purchase price.
| Property Type | Approximate Price Range | Notes |
|---|---|---|
| Flats & Maisonettes | £250k–£400k | Entry point for first-time buyers; most common near the town centre, the station and the university (GU1/GU2). |
| Terraced & Smaller Semis | £450k–£625k | The most common family starter home, including Charlotteville, Stoughton and Bellfields. |
| Larger Semis & Detached | £700k–£1.2m | Family homes in Merrow, Burpham, Onslow Village and the Mount. |
| Larger Detached & Executive | £1.2m+ | Prime roads and the affluent Surrey Hills villages such as Shere and around Shalford. |
What income might you need?
Based on standard mortgage affordability multiples of 4.5x household income. Illustrative only — individual affordability depends on deposit, commitments and lender criteria.
What makes Guildford so popular?
Three things consistently come up when buyers explain why they chose Guildford.
South Western Railway to Waterloo
Approximately 35–40 minutes to London Waterloo, plus connections to Portsmouth, Reading and Gatwick. For City and West End workers, Guildford competes strongly on both journey time and quality of life.
Schools & the University
Leading independents (RGS Guildford, Guildford High School, Tormead), Outstanding-rated state secondaries and the University of Surrey. Education is consistently cited as a primary reason families choose Guildford.
Historic Town & Surrey Hills
A cobbled High Street with the projecting Guildhall clock, Guildford Castle, the cathedral on Stag Hill and the River Wey — set against the Surrey Hills. Guildford feels like a real historic county town, not a dormitory suburb.
What often surprises buyers is how self-contained Guildford is. With a major shopping centre, theatres, the university and the Surrey Research Park, many residents rarely need to travel elsewhere for work, study or everyday life — something that matters a lot over the long term.
Schools in Guildford
Schools are one of the biggest reasons families research Guildford. The town has an exceptional spread of education — leading independents, Outstanding-rated state secondaries, strong primaries and the University of Surrey — so education often sits right at the centre of the property search.
For homebuyers, the key question is not just whether a school has a strong reputation. It is whether the property, admissions rules, daily journey, school-run traffic, wraparound care and long-term education route actually work for your family. That is why school research should sit alongside your search around the town centre, Merrow, Burpham, Onslow Village, Charlotteville, Stoughton and the surrounding villages.
Secondary & senior schools
| School | Type | Ofsted / Inspection | Buyer-focused summary |
|---|---|---|---|
| Royal Grammar School Guildford | Independent boys' senior school, ages 11–18 | Independent (ISI) | A historic and academically selective independent boys' school on the High Street, inspected by the Independent Schools Inspectorate rather than Ofsted. Often researched by families willing to consider fee-paying options across central Guildford. |
| Guildford High School | Independent girls' school (GDST), ages 4–18 | Independent (ISI) | A leading independent girls' school on London Road, part of the Girls' Day School Trust and inspected by the ISI. A long-standing draw for families across Guildford and the surrounding villages. |
| Tormead School | Independent girls' school, ages 4–18 | Independent (ISI) | An independent girls' school on Cranley Road, inspected by the ISI. Often considered alongside Guildford High School by families researching fee-paying senior education. |
| George Abbot School | Mixed secondary, ages 11–18 | Good | A large and popular state secondary on Woodruff Avenue in Burpham, strongly linked with the eastern side of Guildford. Catchment and admissions are competitive — verify directly before relying on proximity. |
| Guildford County School | Mixed secondary, ages 11–18 | Outstanding | A state secondary on Farnham Road close to the town centre, judged Outstanding by Ofsted. Highly sought-after, so confirm catchment and admissions arrangements directly each year. |
| St Peter's Catholic School | Catholic mixed secondary, ages 11–18 | Outstanding | A Catholic state secondary on Horseshoe Lane East in Merrow, rated Outstanding. Faith-based admissions criteria apply — check carefully before relying on proximity alone. |
Further & higher education
| Institution | Type | Status | Buyer-focused summary |
|---|---|---|---|
| University of Surrey | University, Stag Hill & Manor Park campuses | University | A major research university on Stag Hill, adjacent to the Surrey Research Park. A significant local employer and a driver of demand for flats and family homes across GU2 and the wider town. |
| Guildford College (Activate Learning) | Further education college, ages 16+ | FE college | The town's main further education provider on Stoke Road, offering vocational and A-level routes. Relevant for families planning post-16 options beyond school sixth forms. |
What the schools mean for homebuyers
The independents (RGS, Guildford High, Tormead)
Guildford's independent schools — the Royal Grammar School Guildford, Guildford High School and Tormead — are a major part of why families with the means to consider fee-paying education are drawn to the town. They are inspected by the Independent Schools Inspectorate rather than Ofsted, so check the latest published ISI reports directly.
For buyers, the independents matter because demand for homes within easy reach of them is strong. However, admissions are by assessment, not catchment, so proximity helps with the daily journey rather than guaranteeing a place. Plan the school run and entry timings carefully before committing to a property.
George Abbot School
George Abbot School is a large mixed state secondary on Woodruff Avenue in Burpham, rated Good by Ofsted. It is highly relevant for buyers looking around the eastern side of Guildford, including Merrow and Burpham.
Because it is popular and oversubscribed, the practical points for buyers are catchment, admissions, the journey from the property and whether the route fits your longer-term family plans. Confirm arrangements with the school and Surrey County Council each year rather than relying on proximity alone.
Guildford County School & St Peter's Catholic School
Guildford County School (Farnham Road, near the town centre) and St Peter's Catholic School (Horseshoe Lane East, Merrow) are both rated Outstanding by Ofsted, making them highly sought-after state options.
For St Peter's, faith-based admissions criteria apply, so check the policy carefully before assuming a property will give priority. For Guildford County School, demand is high and catchment matters. Do not rely on a school name alone — check admissions, distance, wraparound care, sibling rules, parking and school-run traffic before committing to a property.
Popular parts of Guildford
Guildford covers a wider area than many people realise. Buyers often start with "Guildford" as one search, but the feel can change significantly depending on whether you are in the town centre, Merrow, Burpham, Onslow Village, the Mount, Charlotteville, Stoughton, Bellfields, Park Barn, Stoke or out in the Surrey Hills villages.
| Area | Best For | Typical Buyer |
|---|---|---|
| Town Centre & the High Street | Station, cobbled High Street, shops, theatres and convenience | Commuters, professionals and downsizers |
| Merrow & Burpham (east) | Sought-after family homes, George Abbot and St Peter's schools | Established families and upsizers |
| Onslow Village & the Mount (west) | Affluent, leafy roads close to the town and the A3 | Families and long-term movers |
| Charlotteville & Stoughton | Period terraces and accessible family homes | First-time buyers and families |
| Bellfields, Park Barn & Stoke | More accessible pricing within the town | Value-conscious buyers and first-time buyers |
| Shalford, Shere & Surrey Hills villages | Village character and semi-rural Surrey Hills setting | Upsizers and buyers wanting more space |
This area suits buyers who want walkable convenience rather than relying on the car for every journey — especially London commuters, downsizers and professionals who value station access. The trade-off is that central properties can come at a premium, and parking, river-proximity flood risk or smaller plots may matter depending on the road.
Appeals to: Commuters, professionals and downsizers.
The area works well for buyers who want school access and family-sized housing while staying within easy reach of the town centre, the A3 and the M25 at Junction 10. As always in Guildford, the exact road and catchment matter, so check carefully.
Appeals to: Established families, upsizers and long-term homeowners.
The appeal is practical and lifestyle-led: established roads, green outlooks and proximity to the town centre and the cathedral on Stag Hill. Buyers should still compare individual roads carefully, as price, parking and property condition vary.
Appeals to: Established families, professionals and long-term movers.
For buyers, these areas can make sense if you want character or a more accessible price point while staying close to the centre. As with much of Guildford, the exact road matters — some streets appeal more to families, others to first-time buyers and local movers.
Appeals to: First-time buyers, families and local movers.
These areas reward careful road-by-road research. Check property type, condition, parking and the specific school routes that matter to your household before committing.
Appeals to: Value-conscious buyers, first-time buyers and local movers.
They can appeal to buyers wanting more space or a quieter setting, but check commuting routes and the daily journey carefully, especially if you rely on Guildford station.
Appeals to: Families and buyers wanting a village-edge feel.
The trade-off is convenience. Before choosing a village-edge or rural property, test the school run, commute, local roads and everyday journeys. A quieter setting can be excellent if it fits your lifestyle, but less ideal if you need daily station access.
Appeals to: Upsizers, established buyers and households wanting space.
For buyers, this can mean a reliable rental and resale market, but check service charges, parking and term-time population pressures before relying on a property as a long-term family home.
Appeals to: Professionals, investors and first-time buyers.
Check estate charges, parking arrangements, broadband, management responsibilities and how the development connects to schools, transport and the town centre. For current planning applications and schemes, use Guildford Borough Council's planning portal rather than relying on old sales listings.
Appeals to: Buyers wanting modern homes and lower initial maintenance.
Things people don't tell you about Guildford
Most property listings tell you about the bedrooms and the square footage. These are the things that come up in real conversations with people who know the area.
Healthcare & local services
For families and those planning long-term, knowing the specific local services nearby matters as much as the property itself.
GP surgeries in Guildford
Guildford is served by a number of NHS GP practices across the town and its neighbourhoods. Registration availability changes — always contact the surgery directly before completing a purchase, and check the NHS website for the current list.
| Practice (area) | Area served | Notes |
|---|---|---|
| Town centre practices | Central Guildford (GU1) | Several NHS GP practices serve the town centre — confirm registration availability and catchment directly before relying on a specific surgery. |
| Merrow & Burpham practices | Eastern Guildford (GU1/GU4) | Practices serving the eastern neighbourhoods. Verify registration availability directly. |
| Onslow / west Guildford practices | Western Guildford (GU2) | Practices serving Onslow Village, the Mount and the university area. Contact directly to confirm availability. |
| Village practices (Worplesdon, Ash, Shalford) | Borough villages | Outlying villages have their own practices or are served from nearby town surgeries. Check catchment and availability directly. |
Use the NHS find-a-GP service to confirm the exact practices and registration availability for any specific postcode.
Dental practices in Guildford
Guildford has both NHS and private dental provision across the town. NHS availability changes frequently — always contact practices directly and check nhs.uk for current status.
| Provision | Area | NHS / Private |
|---|---|---|
| Town-centre dental practices | Central Guildford | Mix of NHS and private — confirm current NHS registration availability directly with each practice. |
| Neighbourhood dental practices | Merrow, Burpham, Onslow, Stoughton | NHS and private provision across the neighbourhoods — check current status via NHS.uk before assuming availability. |
| Private & specialist clinics | Town and surrounding area | Private and cosmetic provision is widely available; confirm services and fees directly. |
Nearest hospitals
Map, Police & Fire Services in Guildford
A useful local guide should show the practical services buyers actually check before choosing an area — the station, neighbourhood policing, fire cover, emergency healthcare and local crime context for Guildford.
Flood risk in Guildford
Flood risk is easy to overlook when a property looks right online, but it can affect insurance premiums, mortgage lender underwriting and long-term peace of mind. In Guildford the picture matters more than in many towns, because the River Wey runs directly through the centre — and the town has a real flood history.
Famous connections & local history
Guildford has a long and distinguished history as a Surrey county town, from its medieval castle and cobbled High Street to its striking 20th-century cathedral and modern science cluster.
Sports, leisure & community
For families and active buyers, Guildford's leisure offer is a real part of the quality-of-life calculation. The clubs, parks, theatres and attractions here are the ones residents actually use week after week.
Guildford has a mix of established sports clubs, leisure facilities, cultural venues, green spaces and community groups that help explain why many residents stay long-term. For buyers moving from London or more urban areas, this lifestyle element — combined with the Surrey Hills on the doorstep — can be just as important as the train line.
For families and downsizers alike, having a major venue in town means weekend and evening options without travelling into London.
Cultural venues like this help make Guildford feel rooted and support the "stay long-term" pattern you see with many local residents.
For families with children, access to organised sport and swimming can be a practical lifestyle benefit rather than just a nice extra. Verify membership terms and public access directly.
For buyers, these green spaces give central Guildford a lifestyle benefit that supports its appeal to families, dog walkers, runners and downsizers.
This is a key differentiator for Guildford. Many commuter towns have parks; few have genuine, protected countryside as part of everyday local life.
If weekend sport is part of family life, check journey times to clubs as carefully as you check the school run.
Always verify current opening times, membership terms and availability directly with each facility before assuming they fit your routine.
For families moving to Guildford, these groups create weekend routines, friendships and community roots that sit alongside — not instead of — school. Find your nearest groups via the relevant national organisations.
For commuters, this matters. If you are away in London during the week, having a genuine historic high street at weekends can be a major part of the appeal.
Buying a home in Guildford
Guildford consistently attracts buyers who have made a deliberate decision about where they want to live — drawn by the schools, the commute, the university, the historic town or a combination of all of them.
For some buyers the calculation is primarily practical — commute time, school catchment, property size. For others it's about lifestyle — wanting a genuine, affluent county town with culture, history and countryside on the doorstep. Guildford delivers on both. If you are weighing up your options, we can introduce you to a carefully selected, FCA-regulated mortgage adviser who can talk you through the right approach for your circumstances.
Who tends to move to Guildford?
Transport & commuting
Guildford's rail connections are one of its defining strengths for buyers with London and wider South East connections.
| Route | Approx. Time | Notes |
|---|---|---|
| Guildford → London Waterloo | ~35–40 min | South Western Railway, fast and frequent services |
| Guildford → Portsmouth | ~50–70 min | South Western Railway towards the south coast |
| Guildford → Reading | ~35–45 min | Direct services towards the Thames Valley |
| Guildford → Gatwick Airport | ~35–50 min | Cross-country services via Redhill |
Road links via the A3 (to London and Portsmouth) and the M25 at Junction 10 also make the area well-connected for those who travel by car across Surrey, into London and towards the south coast. Local bus services connect the town centre, the university, the Royal Surrey County Hospital and surrounding neighbourhoods.
Things to think about before buying
The property itself is only one part of the decision.
Already live in Guildford?
Not everyone searching for mortgage information here is planning to move. Many visitors are existing homeowners reviewing their arrangements.
Looking beyond the mortgage
Buying a home is one of the largest financial commitments most people will ever make.
Many households spend weeks comparing properties and mortgage rates, yet very little time considering what would happen if circumstances changed unexpectedly — illness, redundancy or worse. Life insurance, critical illness cover and income protection exist precisely for this reason — and these are the areas That's Family Finance advises on directly, as an FCA-regulated protection adviser.
Living in Guildford
Beyond the commute and the schools — what is it actually like to live here day to day?
Safety & Crime
Guildford is covered by Surrey Police and a Guildford Neighbourhood Policing Team that publishes local priorities and crime data online. As an affluent county town it is generally regarded as a relatively safe place to live, though the busy town centre and night-time economy mean patterns vary by area. For current crime data by specific postcode, use police.uk rather than relying on general reputation alone.
Community & Demographics
Guildford has a high proportion of owner-occupiers, established families and professionals, alongside a significant student population linked to the University of Surrey. The community skews towards professionals, families and those who have made a deliberate lifestyle choice to live here — which contributes to its settled, affluent character.
Green Spaces
Stoke Park (open space, lido and events), the River Wey and Wey Navigation walks, Shalford Park and the surrounding Surrey Hills Area of Outstanding Natural Beauty including St Martha's Hill and the North Downs. Guildford is unusually well-served with accessible countryside for a town of its size.
Gyms & Fitness
The Guildford Spectrum leisure complex (ice rink, pools, gym, bowling), Surrey Sports Park at the university (pool, courts, pitches) and a range of private and budget gyms across the town. Verify current opening times and terms directly with each facility.
New Build Homes
Guildford has seen new residential development in recent years alongside its established housing stock and town-centre regeneration. For current planning applications and new build schemes, visit Guildford Borough Council.
Useful Council Links
Guildford Borough Council — council tax, planning, local services.
Surrey Schools Admissions — catchments and applications.
police.uk — local crime data by postcode.
Nearby areas worth considering
Many buyers researching Guildford also compare it with neighbouring Surrey towns before deciding.
Woking
Often compared directly with Guildford — fast trains to Waterloo, major town-centre regeneration and strong commuter appeal.
Read guide ‚Üí [LINK WHEN LIVE]Epsom
A popular Surrey town with strong schools, a historic racecourse and good rail links into London.
Read guide ‚Üí [LINK WHEN LIVE]Reigate
An attractive town beneath the North Downs with period character, strong schools and M25 access.
Read guide ‚Üí [LINK WHEN LIVE]Camberley
A well-connected Surrey town near the M3, with retail, family housing and good road links.
Read guide ‚Üí [LINK WHEN LIVE]Talk to an Adviser
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Get in touch ‚ÜíFrequently asked questions
Is Guildford a good place to live?
Is Guildford safe?
Does Guildford have good schools?
How long does it take to get to London from Guildford?
What salary do you need to buy in Guildford?
What is the flood risk in Guildford?
How much is stamp duty on a Guildford property?
What is Guildford known for?
What green spaces are near Guildford?
What is the nearest hospital to Guildford?
How much is council tax in Guildford?
Can existing homeowners benefit from reviewing their mortgage?
Useful resources
Need help?
Whether you're researching Guildford, planning a move, reviewing your finances or simply exploring your options — we're always happy to point people in the right direction.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers. By submitting your details you agree that your contact information will be passed to a carefully selected, FCA-regulated adviser.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers.
Journey times are approximate — always verify at nationalrail.co.uk and southwesternrailway.com. Ofsted ratings are based on the most recent publicly available inspections — verify at reports.ofsted.gov.uk; independent schools are inspected by the Independent Schools Inspectorate. Catchment areas and admissions criteria should be confirmed directly with each school and Surrey County Council. GP and dental registration availability changes — always verify directly with the practice and via nhs.uk. Healthcare information is based on publicly available NHS data — always verify directly. Crime information is general in nature — always check current data at police.uk. Flood risk context is general — always check the exact property postcode at check-long-term-flood-risk.service.gov.uk. Council tax figures are for 2026/27 Band D in the unparished Guildford town area and should be verified at guildford.gov.uk; parished areas pay an additional parish precept. Salary and affordability figures are illustrative only and do not constitute financial advice. Stamp duty figures should be verified using the official GOV.UK SDLT calculator.
The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an independent, FCA-regulated firm (No. 1038034).