Second Home Tax Calculator
Calculate stamp duty land tax, capital gains tax, and annual costs for your second home in the UK. Get accurate tax estimates and planning advice.
Step 1: Property Details
Second Home Tax Rules
Second homes in the UK incur additional 3% stamp duty on top of standard rates. Different rules apply in Scotland (Additional Dwelling Supplement) and Wales (Land Transaction Tax).
Step 2: Financial Details
Tax Considerations
Second homes are subject to additional stamp duty, capital gains tax on sale, and income tax on rental earnings. Mortgage interest relief is limited to basic rate tax.
Second Home Tax Calculation Results
Total Upfront Tax Cost
Stamp Duty Land Tax Breakdown
Stamp Duty Rules for Second Homes
Second homes incur an additional 3% SDLT on top of standard rates. In Scotland, it’s called Additional Dwelling Supplement (ADS) at 6%. Rates apply to the entire purchase price for second homes.
Annual Tax & Cost Breakdown
Annual Tax Calculation
Rental Income Tax = (Rental Income – Allowable Expenses) × Tax Rate
Allowable expenses include mortgage interest (limited to basic rate relief), repairs, insurance, agent fees, and other running costs. Different rules apply for furnished holiday lets.
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