About MoneyWiseExpert

Free, accurate calculators and plain-English guides for anyone buying a home in the UK.

Why this site exists

Buying a property involves more numbers than just the asking price. Stamp duty alone works differently depending on whether you're in England, Scotland, or Wales — and whether it's your first home, your only home, or an additional one. Add mortgage repayments, overpayments, deposits, and legal fees, and it's easy to end up guessing rather than knowing.

MoneyWiseExpert was built to fix that: a single place with instant, accurate calculators for stamp duty (SDLT, LBTT, LTT) and mortgages, backed by in-depth guides that explain the reasoning behind the numbers — not just the numbers themselves.

What we offer

• Stamp duty calculators covering England & Northern Ireland (SDLT), Scotland (LBTT), and Wales (LTT), including first-time buyer relief and the additional property surcharge
• Mortgage calculators for repayments and overpayment scenarios, so you can see the real impact of different rates and terms
• In-depth guides covering the questions that come up at every stage of buying — from first-time buyer relief to the full offer-to-completion timeline
• All of it free, with no sign-up required to use any calculator

Our approach to accuracy

Tax rates and thresholds change, sometimes with little notice, at government Budgets. We review our figures regularly against official sources and update the site when rates change. That said, this site provides general information and calculations for guidance — it isn't financial or legal advice, and for anything that matters, we always recommend confirming with a solicitor, conveyancer, or mortgage adviser before proceeding.

Who writes this