SDLT Reclaim - Stamp Duty Calculator

Introducing SDLT Reclaim

Your Stamp Duty Land Tax Experts

It is estimated that around 30% of properties bought in the last 4 years have had SDLT calculated wrong.

Find out it you are due a refund today. No Win No Fee. If you bought a property in the last four years then you may have overpaid your Stamp Duty Land Tax and be entitled to a SDLT refund from HMRC.

We work with our clients on a no win - no fee basis, giving you peace of mind during the entire reclaim process.

Post Completion Review

If you have bought a property in the last four years, then you may have overpaid SDLT and be entitled to claim a HMRC Stamp Duty refund. Since changes in legislation occurred in 2016, millions of pounds in overpaid stamp duty has been refunded to homeowners. Don’t miss out. Let us establish if you are due a Stamp Duty Land Tax refund and get it processed on your behalf.

Pre-Completion Review

We advise clients on properties they are currently purchasing and save many of them £1000’s. As many as one in ﬁve SDLT returns are completed incorrectly. This leads to millions of pounds being overpaid but it is possible to reclaim Stamp Duty if incorrectly calculated. Reasons include: missed reliefs based on the circumstances of the buyer, misclassiﬁcation of the property being bought, or any one of the over 40 exemptions set out in the legislations that are often missed by solicitors.

Expert SDLT Calculations

Accurate SDLT calculation from tax experts who strictly follow HMRC guidelines.

Zero ﬁnancial risk involved

We work on a No Win – No Fee* basis, so it won’t cost you anything.

Fast payments across all claims

We’ll get your refund to you as fast as possible. Usually within 40 days.

Dedicated Case handlers

Dedicated case handler looking after you every step of the way

Accurate hassle free submission

From start to ﬁnish all our reclaims are processed and managed inhouse by our team of experts.

What Our Customers Say

August 2, 2024

We received a refund of over £7,800

SDLT Reclaim was a lifesaver! We recently purchased a townhouse that needed a lot of work, and we had no idea we could claim a refund on Stamp Duty Land Tax (SDLT).

Thanks to SDLT Reclaim we were able to recover over £7,800, which was a huge help in covering the renovation costs. Their team was incredibly helpful and made the process so easy. We highly recommend their services to anyone who thinks they might be eligible for an SDLT refund.

Sarah & James, Manchester

July 11, 2024

I'm so grateful for the help I received from SDLT Reclaim

I recently purchased a property with a separate annex for my elderly mother, and I was unaware that I could have claimed Multiple Dwellings Relief. The team at SDLT Reclaim were incredibly knowledgeable and guided me through the process effortlessly.

Thanks to their expertise, I was able to recover over £10,400, which was a huge relief. I highly recommend SDLT Reclaim to anyone looking for professional and efﬁcient SDLT refund assistance.

Natalie, Skipton

June 30, 2024

They handled the entire process seamlessly!

If you’re a homeowner who has recently purchased a second property, be sure to check your eligibility for an SDLT refund. I was under the impression that I had to pay the higher rate, but the team at SDLT Reclaim informed me that I was eligible for a refund due to selling my ﬁrst home within two years. They handled the entire process seamlessly, and I was pleasantly surprised to receive a refund of £4,800. I highly recommend anyone looking to maximize their property tax savings.

Colin, Bristol

SDLT Reclaim Case Studies

Discover recent case studies from our customers who have saved thousands with our comprehensive SDLT reclaim service.

Potentially Uninhabitable / Mixed Use

When I first found the property, I knew it needed a lot of work, but I didn’t realise…

When I first found the property, I knew it needed a lot of work, but I didn’t realise just how complicated things could get when it came to Stamp Duty. I’d heard about properties being classed as ‘mixed use’ if they were considered uninhabitable, which could mean lower taxes, but I wasn’t sure if mine would qualify. The place had severe wood rot, asbestos, and didn’t even have functioning water or electrical services. Still, I wasn’t sure if that was enough to meet the ‘uninhabitable’ criteria, and the thought of paying full residential Stamp Duty on top of all the renovation costs seemed a bitter pill to swallow.

I decided to get some professional advice to clear up my concerns, so I reached out to Compass, who I found online. After they took a closer look at the condition of the property, they confirmed that it did, in fact, meet the requirements for being uninhabitable. The combination of the wood rot, asbestos, and lack of basic utilities meant it couldn’t be lived in, which classified it as ‘mixed use.’ This was a huge relief because it meant I wouldn’t be hit with the regular residential Stamp Duty rates.

One thing I realised through this process is that trying to make your own judgement on whether a property is uninhabitable can be risky. If the property doesn’t meet HMRC’s strict criteria and you’ve claimed the lower rate, you could be approached later and asked to pay the difference back. That’s a situation I definitely wanted to avoid, especially since HMRC can review your case years after the purchase. By getting professional advice, I knew for sure that my property qualified, and I didn’t have to worry about any future surprises.

In the end, I saved a significant amount of money—money that I can now put toward the much-needed renovations. If I hadn’t gotten expert advice, I might have ended up paying far more than necessary or facing penalties down the line. This whole experience really showed me how critical it is to understand the tax implications of a property’s condition. If you’re in a similar situation, don’t hesitate to seek help. Knowing the rules can save you thousands and give you peace of mind!

Transfer of Equity

Couple getting married who each own a house and one being rented out

After my partner and I got married, we both still owned our own properties. We decided to live in one together, but instead of selling the other, we planned to rent it out. As part of the process, we wanted to transfer the second property into both our names. But when we started looking into it, we quickly understood that Stamp Duty could get complicated—especially with one property becoming a rental. We were unsure how this would affect the rates we’d need to pay?

Reading the tax rules was stressful, especially with the rental property now counting as a second home. We didn’t know if the transfer of equity would trigger the higher Stamp Duty rate, and honestly, we felt lost trying to make sense of it all.

That’s when we decided to reach out to Compass for help and an accurate calculation and we paid £426. They took a detailed look at our situation—the fact that one property would become a rental, and we’d be living in the other—and explained how the Stamp Duty would be calculated. While we did have to pay a bit more in Stamp Duty in our case due to the additional property rate, it wasn’t as much as we’d initially thought. The clear breakdown Compass provided made it so much easier to understand what we owed and why.

Without their advice, we could’ve made some costly mistakes—either underestimating how much we’d need to pay or, worse, being caught off-guard by a bigger tax bill later. It was a relief to know exactly where we stood, and the process of transferring the property into joint ownership went smoothly.

This whole experience taught me how important it is to get professional guidance when dealing with multiple properties and Stamp Duty, especially when one is a rental. The rules can be confusing, and making the wrong assumptions could have cost us a lot. If you’re in a similar situation, definitely seek expert advice—it can save you from unnecessary stress and potential financial surprises!

Second Property ownership

My partner and I were so excited about the next step in our lives—selling our homes and buying…

My partner and I were so excited about the next step in our lives—selling our homes and buying a new place together. But, as with any big financial move, there was this nagging worry. My wife owns a Buy-to-Let (B2L) property, and we both feared that it might mean paying the dreaded Higher Rate Additional Dwelling Stamp Duty (HRAD). The thought of having to shell out extra thousands just because of that property was stressing us out.

At first, we were convinced we’d be hit with an extra £136,250 in taxes. It was a terrifying number, and honestly, it made us wonder if we were even making the right choice by moving forward with this purchase. I couldn’t stop thinking about how much it would impact our budget, and the idea of making such a huge mistake just wouldn’t leave my mind.

In the end, we knew we needed clarity, so we found Compass online and registered for a quote, hoping for some answers. I can’t even describe the relief we felt when they told us we wouldn’t be subject to the extra 3% tax. And then, even better, they recalculated our stamp duty and found out it wasn’t £136,250—it was £91,250. That meant we were saving £45,000! It was like a weight lifted off our shoulders.

This experience really opened my eyes to how complicated tax laws can be and how easy it is to make mistakes. If we hadn’t sought professional advice, we could’ve ended up paying that extra £45,000, completely unaware it wasn’t necessary. It’s scary to think about how a simple misunderstanding could’ve cost us so much.

If you’re in a similar situation, I can’t recommend enough the importance of getting expert advice. When you’re dealing with something as intricate as Stamp Duty, a small error in your calculation can have huge financial consequences. We were lucky we caught it in time, but I can only imagine how many people have overpaid without realising it. Trust me, don’t leave it to chance!

Overseas Buyer

I found a perfect property in the UK—just the place I’d been dreaming of. But here’s the catch…

Buying a new home should be one of the most exciting moments in your life? But for me, that excitement quickly turned into anxiety. I found a perfect property in the UK—just the place I’d been dreaming of. But here’s the catch: I already own a property abroad, and I was scared it might trigger the High-Rate Additional Dwelling Rate (HRAD) on my UK purchase. We’re talking potentially thousands of extra pounds in taxes, and I just didn’t know if I can handle that. A whole 3% more in fact, amounting to £14,754.

The whole process is overwhelming. On one hand, I didn’t want to lose out on the house, but on the other, the fear of being hit with unexpected tax bills was a genuine concern. What if my overseas property means I had to pay this extra tax? I’ve heard horror stories about people ending up with way higher costs than they planned, and it feels like I could be next. I didn’t even know if I could move forward with my UK purchase until I got some answers.

Feeling lost, I reached out to Compass for help. I just needed someone to tell me what’s going on—whether I’d be hit with the higher rates, or not. They took a close look at my situation, considering the value of my overseas property and how the UK tax laws apply. The relief when they told me my overseas property wouldn’t trigger the higher rates was beyond words! That fear of the extra tax vanished, and I finally felt like I could move forward with my plans.

This experience made me realise how critical it is to get the right information. If I hadn’t reached out to Compass, I might have made some awful decisions—either backing out of my dream home or overpaying on taxes I didn’t even owe. I could’ve lost thousands. The stress of not knowing almost derailed everything. Nearly £15,000 is a huge amount of money to me and wasn’t sure I could have found it should the worst case have happened.

So, if you’re buying a home and worrying about tax issues like I was, don’t just guess or assume the worst. It’s worth getting expert advice. You don’t want to be stuck second-guessing yourself or, even worse, overpaying for no reason. Compass’ fee for the work was £553 incl VAT and although I appreciate the outcome may have gone the other way (and I was comfortable with that), I’m overjoyed that I got the indemnified calculation done.

Don't take the risk

Join the thousands who have saved with SDLT Reclaim today.