Mortgage Advice in Portsmouth: Property, Schools & Local Area Guide
Mortgage Advice in Portsmouth: Property, Schools & Local Area Guide
Whether you're buying your first home in Portsmouth, remortgaging, upsizing or simply researching the area — this guide covers what buyers and homeowners actually want to know about the island city.
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Click any question to expand the full detail and sources.
Is Portsmouth a good place to live?⌄
Yes — an island city with a sought-after seafront, strong maritime heritage, a university and genuine affordability for the south coast.
Portsmouth's appeal rests on a combination that's rare in the south of England: a genuine waterfront city with the seafront and sought-after streets of Southsea, a working naval heritage at Portsmouth Historic Dockyard, the University of Portsmouth, the Spinnaker Tower and Gunwharf Quays — all at price points that remain more accessible than much of Hampshire and the wider south coast. As an island city on Portsea Island, Portsmouth is compact and walkable, and is one of the most densely populated cities in Europe, which gives it a busy, urban character very different from the surrounding Hampshire towns.
Sources: southwesternrailway.com — timetables | reports.ofsted.gov.uk — school inspections
Is Portsmouth expensive?⌄
No — Portsmouth is more affordable than most of the south coast, though Southsea seafront and Old Portsmouth command a premium.
Flats and maisonettes typically start from around £130,000–£220,000, making the city one of the more accessible entry points on the south coast for first-time buyers. Terraced and smaller semi-detached homes generally range from £230,000–£330,000, while larger semi-detached and detached family homes typically sit between £330,000 and £500,000+. Premium locations — Southsea seafront, Old Portsmouth and Gunwharf — go significantly higher. Prices are supported by steady demand from the Royal Navy, the University of Portsmouth, the city's employers and buyers priced out of more expensive Hampshire and Surrey locations.
Sources: landregistry.data.gov.uk — Price Paid Data | gov.uk/council-tax-bands — VOA band checker
What salary do you need to buy in Portsmouth?⌄
Roughly £42,000 for a flat up to £93,000+ for a 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 ~£190,000 may require a household income of approximately £42,000; a terraced or smaller semi at ~£275,000 requires roughly £61,000; a larger semi or detached at ~£420,000 requires around £93,000. These are illustrative only — actual affordability depends on deposit size, existing commitments, credit profile and lender criteria. As an FCA-regulated protection adviser, we introduce you to a carefully selected, FCA-regulated mortgage adviser who can confirm exactly what's achievable for your circumstances.
Sources: thatsfamilyfinance.co.uk/mortgages | landregistry.data.gov.uk
Are schools good in Portsmouth?⌄
Yes — respected independents plus a spread of academies, with established further-education colleges.
Portsmouth has a strong independent sector led by The Portsmouth Grammar School and Portsmouth High School (part of the Girls' Day School Trust), alongside Mayville High School. State and academy options include Miltoncross Academy, Springfield School, St Edmund's Catholic School and Priory School, with further education at Portsmouth College and Highbury College. The key practical point for buyers: in a densely populated island city, admissions and catchment pressure matter, and where you buy affects which schools your child has realistic priority for. Always verify the latest Ofsted reports and admissions directly with each school and Portsmouth City Council before relying on proximity alone.
Sources: reports.ofsted.gov.uk | portsmouth.gov.uk/schools-and-education
Is Portsmouth good for commuters?⌄
Yes — direct South Western Railway services to London Waterloo in around 1h30–1h45, plus the M275/M27.
Portsmouth & Southsea and Portsmouth Harbour stations are served by South Western Railway, with direct trains to London Waterloo taking approximately 1h30–1h45, plus services towards Southampton, Brighton and the south coast. For car commuters, the M275 spur connects the city directly to the M27, which runs along the coast towards Southampton and east towards Chichester and the A3(M). The Hard Interchange beside Portsmouth Harbour station ties together rail, bus, the Gosport ferry and the Isle of Wight ferries (Wightlink and Hovertravel), making Portsmouth a genuine multi-modal hub. Test your specific journey at the time you'll travel before committing.
Sources: southwesternrailway.com — timetables | nationalrail.co.uk — journey planner
What should buyers know before offering on a Portsmouth property?⌄
Check coastal flood risk by postcode, Ofsted, stamp duty, council tax band and parking before committing.
Portsea Island is low-lying, sitting between Langstone Harbour and Portsmouth Harbour, so tidal and coastal flood risk should always be checked by individual postcode via the GOV.UK service, not by city name alone — sea defences protect much of the island but risk varies by location. Confirm school admissions and Ofsted ratings via reports.ofsted.gov.uk. Use the government's SDLT calculator to understand your stamp duty liability. Council tax should be confirmed with Portsmouth City Council. And in one of Europe's most densely populated cities, parking and permit zones are a genuine day-to-day factor worth checking street by street.
Sources: check-long-term-flood-risk.service.gov.uk | SDLT calculator | portsmouth.gov.uk/council-tax
Is Portsmouth right for you?
Portsmouth is the south coast's only island city — a compact, densely populated waterfront city on Portsea Island with direct rail to London Waterloo (approximately 1h30–1h45), a sought-after seafront at Southsea, world-class maritime heritage and prices that remain more accessible than much of Hampshire and the wider south coast.
| Buyer Type | Rating | Why |
|---|---|---|
| First-Time Buyers | ★★★★★ | One of the more affordable south-coast cities — flats and terraces offer a genuine route onto the ladder. |
| London Commuters | ★★★☆☆ | Direct SWR to Waterloo in ~1h30–1h45 — workable for hybrid commuters, longer than inner commuter towns. |
| Families | ★★★★☆ | Strong schools, seafront, parks and leisure — though parking and density vary sharply by area. |
| Upsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Larger family homes concentrate in the north of the island and the mainland suburbs of Cosham and Drayton. |
| Downsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Seafront apartments, Gunwharf and Old Portsmouth offer walkable, low-maintenance city-by-the-sea living. |
Property prices & council tax in Portsmouth
Understanding the cost of living in Portsmouth goes beyond the purchase price.
| Property Type | Approximate Price Range | Notes |
|---|---|---|
| Flats & Maisonettes | £130k–£220k | Entry point for first-time buyers; common across Fratton, North End and central PO1–PO5. |
| Terraced & Smaller Semis | £230k–£330k | The classic Portsmouth terrace — the most common family starter home across the island. |
| Larger Semis & Detached | £330k–£500k | Family homes in Drayton, Farlington, Cosham, Milton and northern Southsea. |
| Premium & Seafront | £500k+ | Southsea seafront, Old Portsmouth and Gunwharf Quays apartments and period homes. |
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.
- Portsmouth City Council (including the adult social care precept): £1,908.41 — the city's own share rose by 4.99% for 2026/27, which includes a 2% adult social care precept.
- Hampshire & Isle of Wight Police & Crime Commissioner precept: £290.46 (up £15 / 5.45%).
- Hampshire & Isle of Wight Fire & Rescue Authority precept: £92.84 (up £5 / 5.69%).
What makes Portsmouth so popular?
Three things consistently come up when buyers explain why they chose Portsmouth.
A Real City by the Sea
The Southsea seafront, Old Portsmouth, Gunwharf Quays and the Spinnaker Tower give Portsmouth a genuine waterfront lifestyle that's rare and hard to replicate elsewhere on the south coast.
Affordability
Portsmouth remains more affordable than much of Hampshire, Surrey and the wider south coast, making it a strong option for first-time buyers, the Royal Navy and university-linked households.
Heritage & Identity
From the Historic Dockyard and HMS Victory to Portsmouth FC at Fratton Park, the island-city has a strong, proud identity that gives it real community character rather than a commuter-dormitory feel.
What often surprises buyers is how self-contained and walkable Portsmouth is. With everything packed onto Portsea Island, many residents rarely need a car for everyday life — something that matters a lot over the long term.
Schools in Portsmouth
Schools are one of the biggest reasons families research Portsmouth. The city has a strong independent sector, a spread of academies and state schools across the island and mainland suburbs, and established further-education colleges — 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 Southsea, Milton, Drayton, Farlington, Cosham, North End and Fratton.
Independent & selective schools
| School | Type | Inspectorate | Buyer-focused summary |
|---|---|---|---|
| The Portsmouth Grammar School | Independent co-educational, ages 2–18 | ISI inspected | One of the south coast's best-known independent schools, in the heart of Old Portsmouth near the Cathedral. Independent schools are inspected by the ISI rather than Ofsted — check the latest report directly. Relevant for families across the city and beyond. |
| Portsmouth High School (GDST) | Independent girls' school, ages 3–18 | ISI inspected | Part of the Girls' Day School Trust, based in Southsea. A long-established girls' independent option, ISI-inspected. Often researched by families looking around Southsea and the wider city. |
| Mayville High School | Independent co-educational, ages 0–16 | ISI inspected | A smaller independent school in Southsea offering nursery through to GCSE. ISI-inspected — review the latest report before relying on a headline summary. |
State & academy secondary schools
| School | Type | Ofsted | Buyer-focused summary |
|---|---|---|---|
| Miltoncross Academy | Mixed secondary academy, ages 11–16 | View Ofsted | A secondary academy in the Milton/Baffins area of the island, often researched by families looking at eastern Portsmouth. Check the live Ofsted page for the current published grade. |
| Springfield School | Mixed secondary, ages 11–16 | View Ofsted | Located in Drayton on the mainland side, relevant for families looking around Drayton, Farlington and Cosham. Review the official Ofsted record before relying on reputation. |
| St Edmund's Catholic School | Catholic secondary, ages 11–16 | View Ofsted | A Catholic secondary in Southsea — faith-based admissions criteria apply, so check these carefully before relying on proximity alone. |
| Priory School | Mixed secondary, ages 11–16 | View Ofsted | A secondary school in Southsea, often considered by families in central and southern parts of the island. Confirm admissions and the latest Ofsted report directly. |
Further education
| College | Type | Ofsted | Buyer-focused summary |
|---|---|---|---|
| Portsmouth College | Sixth-form college, ages 16–19 | View Ofsted | A-level and post-16 provision in the north of the island, useful for families planning beyond GCSEs. Check the latest published inspection directly. |
| Highbury College | Further education college | View Ofsted | A large FE college at Cosham offering vocational and technical courses, with strong links to the city's maritime and engineering employers. Review the official Ofsted record. |
What the schools mean for homebuyers
Independent schools
The Portsmouth Grammar School and Portsmouth High School (GDST) give the city a respected independent offer that draws families from across Portsmouth and the surrounding area. Mayville High School adds a smaller co-educational independent option in Southsea.
For buyers, independent schools widen the search area because they are not bound by state catchments — but fees, daily logistics, parking and the journey from a given property still matter. Independent schools are inspected by the ISI rather than Ofsted, so check the latest ISI report directly.
State & academy secondaries
Miltoncross Academy, Springfield School, St Edmund's Catholic School and Priory School are among the secondary options across the island and mainland suburbs. Where you buy affects which schools you have realistic priority for.
Because Ofsted lists newer published reports for many schools, the safest approach is to check the live Ofsted page before relying on any older headline summary. From a buyer's perspective, the practical points are location, admissions, the journey from the property and whether the school route fits your longer-term family plans.
Further education & the university
Portsmouth College and Highbury College provide post-16 and vocational routes, while the University of Portsmouth gives the city a strong higher-education presence and a large student population concentrated around the centre and Guildhall area.
For buyers, the university affects rental demand and the character of central neighbourhoods. Do not rely on a school or college name alone — check admissions, distance, wraparound care, sibling rules, parking and the likely route before committing to a property.
Popular parts of Portsmouth
Portsmouth covers a wider area than many people realise. Buyers often start with "Portsmouth" as one search, but the feel changes significantly depending on whether you are in Old Portsmouth and Gunwharf, the sought-after seafront streets of Southsea, the terraces of Fratton and North End, or the mainland suburbs of Cosham, Drayton and Farlington.
| Area | Best For | Typical Buyer |
|---|---|---|
| Southsea | Seafront, period homes, cafes and the most sought-after city living | Professionals, families and downsizers |
| Old Portsmouth & Gunwharf | Historic waterfront, marina apartments and walkable city life | Downsizers, professionals and investors |
| Fratton | Affordable terraces, Fratton Park and central access | First-time buyers and investors |
| North End & Hilsea | Family terraces, shops and the north of the island | Families and first-time buyers |
| Cosham | Mainland suburb, Queen Alexandra Hospital and rail links | Families, NHS workers and commuters |
| Drayton & Farlington | Larger family homes, greener mainland setting | Families and upsizers |
This area suits buyers who want character, walkability and the sea on the doorstep, from young professionals to families and downsizers. The trade-off is price: Southsea, and especially the seafront and Castle Road / Albert Road areas, command a premium over the rest of the island, and parking can be tight.
Appeals to: Professionals, families and downsizers.
This is some of Portsmouth's most desirable and walkable living, popular with downsizers, professionals and second-home buyers who want low-maintenance waterfront life. Expect a premium, and check service charges and leasehold terms carefully on apartments.
Appeals to: Downsizers, professionals and investors.
The area appeals strongly to first-time buyers and investors thanks to entry-level prices and central convenience. As with much of central Portsmouth, check the specific street for parking, condition and the immediate environment before committing.
Appeals to: First-time buyers, investors and value-conscious buyers.
These areas suit families and first-time buyers who want island living slightly away from the seafront premium, with reasonable access north towards Cosham, the M27 and Queen Alexandra Hospital.
Appeals to: Families, first-time buyers and local movers.
It appeals to families, NHS and hospital staff, and commuters who value mainland access to the M27 and rail while staying close to the city. Property is often more affordable than the seafront areas, with a more suburban feel.
Appeals to: Families, NHS workers and mainland commuters.
These areas appeal to families and upsizers who want more space and garden while keeping access to the city, the A27/A3(M) and rail at Bedhampton or Cosham. Expect higher prices than central island terraces, reflecting the larger homes.
Appeals to: Families, upsizers and buyers wanting more space.
These areas suit families and buyers who want island living away from the busier seafront and centre, with green space at Milton Common and Bransbury Park. Check coastal flood-risk context carefully given the low-lying, harbour-edge location.
Appeals to: Families, local movers and coast-lovers.
This area suits buyers and investors who want to be at the centre of the action — close to rail, the dockyard, the university and Gunwharf. It's lively and convenient, but check noise, parking and the specific development carefully.
Appeals to: Investors, students' landlords and city-centre buyers.
Check estate and service charges, parking allocation, leasehold terms, broadband and how the development connects to schools, transport and the centre. For current planning applications, use Portsmouth City Council's planning portal rather than old sales listings.
Appeals to: Buyers wanting modern, low-maintenance homes.
Things people don't tell you about Portsmouth
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 Portsmouth
Portsmouth is served by a number of NHS GP practices across the island and mainland suburbs, organised into local primary care networks. Registration availability changes — always contact the surgery directly and use the NHS service finder before completing a purchase.
| Area | What to check | Notes |
|---|---|---|
| Southsea & central | Practices serving PO4 / PO5 postcodes | Several surgeries serve central and Southsea areas — confirm current registration availability directly. |
| North End, Fratton & Milton | Practices serving PO1–PO4 island postcodes | The densely populated central island is served by multiple practices — availability varies by catchment. |
| Cosham, Drayton & Farlington | Practices serving PO6 mainland postcodes | Mainland suburbs are served by their own surgeries, with Queen Alexandra Hospital nearby. |
Find and compare local GP practices and current registration status at nhs.uk/service-search/find-a-gp.
Dental practices in Portsmouth
Portsmouth has both NHS and private dental provision across the city. NHS availability changes frequently — always contact practices directly and check nhs.uk for current status.
| Area | Provision | NHS / Private |
|---|---|---|
| Southsea / city centre | Multiple practices serving central PO5 | Mix of NHS & private — contact directly to confirm current NHS availability |
| North End / Fratton | Practices serving the central island | NHS & private — verify registration availability directly |
| Cosham / mainland | Practices serving PO6 suburbs | Check current NHS registration status directly before assuming availability |
Nearest hospitals
Map, Police & Fire Services in Portsmouth
A useful local guide should show the practical services buyers actually check before choosing an area — the city layout, neighbourhood policing, fire station coverage, emergency healthcare and local crime context for Portsmouth.
Flood risk in Portsmouth
Flood risk is especially important in Portsmouth, because Portsea Island is low-lying and sits between Langstone Harbour and Portsmouth Harbour. Coastal and tidal flood risk can affect insurance premiums, mortgage lender underwriting and long-term peace of mind, so it should always be checked by exact postcode.
Famous connections & local history
Few cities in Britain carry as much history as Portsmouth — the home of the Royal Navy and a place woven into the nation's maritime story.
Sports, leisure & community
For families and active buyers, Portsmouth's leisure offer is a real part of the quality-of-life calculation. The seafront, parks, clubs and attractions here are the ones residents actually use week after week.
Portsmouth has a mix of seafront leisure, major attractions, green spaces, sports clubs and community life that helps explain why many residents stay long-term. For buyers moving from London or more expensive parts of the south, this lifestyle element can be just as important as the train line.
For families, the seafront creates everyday routines: beach trips, cycling, running, kite-flying and weekend walks. It's one of the biggest lifestyle draws of buying in or near Southsea.
For families, local football and the wider club community create weekend routines and a sense of belonging that many commuter locations simply can't match.
It gives residents a major leisure and shopping destination on the doorstep — useful for weekends, visiting family and a night out without leaving the city.
For buyers, accessible green space matters in a dense island city. It's worth checking how close a given home is to a park or the seafront for everyday outdoor life.
For relocation buyers and families, having such a major heritage destination close to home answers the practical question: "What will we actually do here at weekends?"
For active buyers, the water is a genuine lifestyle benefit — but check practicalities like storage, parking and access from a specific property.
Always verify current opening times, membership terms and availability directly with each facility before assuming they fit your routine.
For buyers, the university adds energy and rental demand to central areas — a factor for both owner-occupiers and investors to weigh up.
For people working away during the week, having a proper seafront and independent scene at weekends is a major part of the appeal.
Buying a home in Portsmouth
Portsmouth consistently attracts buyers who have made a deliberate decision about the kind of life they want — drawn by the sea, the affordability, the heritage or a combination of all three.
For some buyers the calculation is primarily practical — price, location on or off the island, school catchment, parking. For others it's about lifestyle — wanting a real city by the sea with character and energy. Portsmouth delivers on both. If you are still comparing mortgage types, our cashback mortgages guide explains one option buyers sometimes ask about.
Who tends to move to Portsmouth?
Transport & commuting
Portsmouth's rail, road and ferry connections make it a genuine south-coast hub for commuters, families and travellers.
| Route | Approx. Time | Notes |
|---|---|---|
| Portsmouth & Southsea → London Waterloo | ~1h30–1h45 | Direct South Western Railway service, frequent departures |
| Portsmouth → Southampton | ~50 min–1h | By rail along the coast; also via the M27 by car |
| Portsmouth Harbour → Gosport / Isle of Wight | ~5–25 min | Gosport ferry, plus Wightlink and Hovertravel to the Isle of Wight |
| Portsmouth ‚Üí Continental Europe | Ferry | Continental ferries to France and Spain from the International Port |
Road links via the M275 spur and the M27 make the city well-connected by car along the coast and towards the A3(M) and London. The Hard Interchange beside Portsmouth Harbour station ties together rail, bus and ferry services in one place.
Things to think about before buying
The property itself is only one part of the decision.
Already live in Portsmouth?
Not everyone searching for mortgage advice 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 this is exactly where That's Family Finance helps, as an FCA-regulated protection adviser. Our mortgage protection insurance guide explains the main options in plain English.
Living in Portsmouth
Beyond the commute and the schools — what is it actually like to live here day to day?
Safety & Crime
Portsmouth is policed by Hampshire & Isle of Wight Constabulary through local neighbourhood teams. As a busy urban city, crime patterns vary by area — central nightlife districts differ from quieter residential streets in Drayton, Farlington or Milton. For current crime data by specific postcode, use police.uk rather than relying on general reputation alone.
Community & Demographics
Portsmouth has a young, diverse population shaped by the Royal Navy, the University of Portsmouth and a strong local identity. As one of the most densely populated cities in Europe on Portsea Island, it has an urban, busy character with strong community roots in established neighbourhoods.
Green Spaces
Southsea Common and seafront, Victoria Park, Milton Common, Bransbury Park and, on the mainland edge, Farlington Marshes nature reserve. For a dense island city, Portsmouth is better served with accessible green and coastal space than many expect.
Leisure & Fitness
The Mountbatten Centre (pool, athletics, fitness) in the north of the island, plus national gym chains, independent studios and the seafront for running, cycling and watersports. Verify current opening times and terms directly with each facility.
New Build Homes
Portsmouth has seen significant waterfront and regeneration development alongside its established terraces. For current planning applications and new build schemes, visit Portsmouth City Council.
Useful Council Links
Portsmouth City Council — council tax, planning, local services.
Portsmouth Schools & Admissions — catchments and applications.
police.uk — local crime data by postcode.
Nearby areas worth considering
Many buyers researching Portsmouth also compare it with neighbouring Hampshire towns before deciding.
Southampton
Hampshire's other major waterfront city — bigger, with its own university, port and shopping, and strong rail links. [LINK WHEN LIVE]
Fareham
A mainland Hampshire town between Portsmouth and Southampton, popular with families for space and schools. [LINK WHEN LIVE]
Winchester
Hampshire's historic cathedral city — premium pricing, excellent schools and fast rail to London. [LINK WHEN LIVE]
Eastleigh
A well-connected Hampshire town near Southampton Airport and Parkway, popular with commuters. [LINK WHEN LIVE]
Hampshire Guides
Browse our full range of local guides across Hampshire and the south coast.
Get in touch ‚ÜíSpeak to an Adviser
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Contact us ‚ÜíFrequently asked questions
Is Portsmouth a good place to live?
Is Portsmouth safe?
Does Portsmouth have good schools?
How long does it take to get to London from Portsmouth?
What salary do you need to buy in Portsmouth?
What is the flood risk in Portsmouth?
How much is stamp duty on a Portsmouth property?
What is Portsmouth known for?
What green spaces are near Portsmouth?
What is the nearest hospital to Portsmouth?
How much is council tax in Portsmouth?
Can existing homeowners benefit from reviewing their mortgage?
Useful resources
Need help?
Whether you're researching Portsmouth, 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. We do not arrange mortgages ourselves — by submitting your details you agree that your contact information will be passed to a carefully selected, FCA-regulated mortgage 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 based on most recent publicly available inspections — verify at ofsted.gov.uk; independent schools are inspected by the ISI. Catchment areas and admissions criteria should be confirmed directly with each school and Portsmouth City Council. GP and dental registration availability changes — always verify directly with the practice. Healthcare information 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 Portsmouth City Council 2026/27 Band D and should be verified directly. 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).