Stop Overpaying Stamp Duty on UK Property Transactions
Most investors and homeowners pay more SDLT than they legally need to especially on mixed-use, uninhabitable, multi-dwellings, additional land and complex transactions.
What Is Stamp Duty Land Tax?
Stamp Duty Land Tax (SDLT) is a tax paid on property purchases in England and Northern Ireland. The amount due depends on the property price, type, and your circumstances. However, SDLT is frequently miscalculated especially on complex, mixed-use, uninhabitable properties, or transactions involving multiple dwellings or additional land parcels.
Why Do People Overpay SDLT?
Most overpayments happen because conveyancing solicitors handle SDLT not specialists.
What Solicitors Typically Do
- Focus on conveyancing, not tax optimization
- Use standard SDLT calculators without strategic review
- Rarely question property classification
- Limited time to analyze complex structures
- May not identify mixed-use or MDR opportunities
What Specialist SDLT Firms Do
- Deep expertise in SDLT legislation and case law
- Forensic review of contracts, plans, and title documents
- Challenge standard classifications with evidence
- Identify all available reliefs and exemptions
- Strategic structuring advice for future transactions
Credibility Note: We review the transaction, contract, title, plans, surveys & HMRC guidance solicitors typically don’t. This forensic approach is what uncovers legitimate relief opportunities that standard processes miss.
SDLT Calculator
Get an initial estimate of your SDLT liability and potential overpayment.
Our Fast & Simple 5 Step Process
We do all the hard work for you and usually complete claims in as little as 4 weeks!
01
Consultation
A short call to understand your property and confirm whether it is likely to qualify for capital allowances.
02
Proposal
A clear, no-obligation proposal outlining your estimated entitlement, fees, and methodology.
03
Survey
After you engage us, we collect relevant documents and, where required, carry out a site survey at no additional cost.
04
Report
Our specialists prepare a detailed Capital Allowances Valuation Report for you and your accountant.
05
Submission
Once approved, we submit the claim to HMRC and manage any follow-up enquiries, in an unlikely case they arise.
Our Property Tax Experts
Experienced tax specialists with deep expertise in property investment relief.
Simon Skinner
Capital Allowance Expert
UK’s leading specialist in commercial property tax relief with 25+ years experience.
Dan Cruickshank
Property & Personal Tax Planning Expert
A Chartered Tax Advisor (CTA) with 18+ years of experience in the accounting industry.
Nick Sinclair
CFO and Property Strategy Expert
Our Chief Financial Officer and Property Strategy Expert with 15+ years of experience.
Results for UK Property Owners
Real outcomes from commercial property investors, landlords, and developers across the UK.
Relief Amount
£487,000
Investment
£2.4M
Timeline
6 weeks
Multi-floor office conversion in Central London with qualifying fixtures and integral features.
Relief Amount
£156,000
Investment
£850K
Timeline
4 weeks
Coastal furnished holiday accommodation with qualifying chattels and fixtures.
Relief Amount
£624,000
Investment
£3.2M
Timeline
5 weeks
Distribution centre with extensive plant & machinery and qualifying building services.
Relief Amount
£312,000
Investment
£1.6M
Timeline
8 weeks
Retail ground floor with residential flats, qualifying for mixed-use SDLT treatment.
Frequently Asked Questions
Technical and practical answers to common SDLT questions.
How do I know if I overpaid SDLT on my home purchase?
Common scenarios include purchasing a property with a separate annexe, commercial unit, or land that could qualify as mixed-use. Properties requiring substantial reconstruction may also qualify for relief. We offer a free initial review.
Can I claim a refund if I completed years ago?
Yes, you can claim retrospective SDLT refunds for up to 4 years from the transaction completion date. After this window, the opportunity is lost.
Will this affect my mortgage or ownership?
No. SDLT refund claims are purely tax-related and have no impact on your mortgage, ownership, or property title.
What is Multiple Dwellings Relief (MDR)?
MDR allows you to pay SDLT based on the average value of dwellings when purchasing two or more residential properties in a single transaction, often resulting in significant savings.
Can I claim MDR on a block of flats?
Yes, if you purchased multiple self-contained dwellings (flats) in one transaction, MDR may apply. This includes purpose-built blocks and HMOs structured as separate dwellings.
Does the 3% additional property surcharge apply to mixed-use?
No. Mixed-use properties are not subject to the 3% additional dwelling supplement, which can result in substantial SDLT savings.
Can SDLT be reduced on development land?
Yes. Development sites may qualify as mixed-use or non-residential, attracting lower SDLT rates. Uninhabitable buildings requiring demolition or substantial reconstruction may also qualify for relief.
What qualifies as "uninhabitable" for SDLT purposes?
A property is uninhabitable if it cannot be lived in without substantial reconstruction. This is a technical HMRC test based on the property’s condition at completion.
How do you work with conveyancing solicitors?
We collaborate seamlessly with solicitors, handling only the SDLT technical review and HMRC engagement. Solicitors retain control of the conveyancing process.
What if HMRC challenges the claim?
We provide full technical support and defend our positions with HMRC. All our claims are backed by robust evidence and legal analysis.
Ready To Check If You've Overpaid SDLT?
Join 1,000+ property investors and homeowners who have recovered overpaid stamp duty. Get your free eligibility check today.
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