The £150,000 step up from £600,000
A 10% deposit rises by £15,000 between £600,000 and £750,000. England home-mover SDLT rises from £20,000 to £27,500.
The tax increase is not calculated as one percentage of the whole price; each progressive band applies only to the slice within it.
Large deposit percentages in cash terms
At this price, each five-point deposit step is £37,500. The mortgage column is illustrative and does not assess income, rates or lender criteria.
The table below shows deposit positions for a £750,000 purchase, with columns for Deposit, Cash deposit, and Illustrative mortgage.
| Deposit | Cash deposit | Illustrative mortgage |
|---|---|---|
| 5% | £37,500 | £712,500 |
| 10% | £75,000 | £675,000 |
| 15% | £112,500 | £637,500 |
| 20% | £150,000 | £600,000 |
On smaller screens, scroll sideways to view every column clearly.
Higher-price tax differences across the UK
The calculated home-mover taxes are £27,500 SDLT in England or Northern Ireland, £48,350 LBTT in Scotland and £36,750 LTT in Wales.
The England first-time buyer result is £27,500 because the purchase is above the relief price limit.
The table below shows £750,000 tax and cash scenarios, with columns for Scenario, Property tax, and Estimated cash with 10% deposit.
| Scenario | Property tax | Estimated cash with 10% deposit |
|---|---|---|
| England first-time buyer | £27,500 | £109,670 |
| England home mover | £27,500 | £109,670 |
| Northern Ireland home mover | £27,500 | £109,865 |
| Scotland home mover | £48,350 | £131,023 |
| Wales home mover | £36,750 | £118,909 |
On smaller screens, scroll sideways to view every column clearly.
Do not let the deposit hide the rest of the budget
The calculator's core non-tax transaction range is £3,030 to £6,530. It covers legal work, searches, survey and valuation, mortgage fees, registration and bank-transfer fees; it excludes the deposit, property tax, moving, insurance, furnishing and contingency.
The broader England home-mover planning example needs £34,670 above the 10% deposit. Higher tax is a major part of that difference, but quote-led costs and optional settings still matter.
Stress-test the £750,000 cash requirement
Run the exact jurisdiction and buyer type, then test different deposits and replace every estimate you can with a quotation.
Go to the calculatorCompare nearby property prices
If you are budgeting around this price point, it can help to compare nearby price points because deposit size, tax treatment and total upfront cash can change quickly.
FAQ
Questions buyers usually ask
Does first-time buyer SDLT relief apply at £750,000?
No. The price is above the relief limit, so the calculator returns the standard £27,500 SDLT result for England or Northern Ireland.
What is a 20% deposit on £750,000?
It is £150,000, leaving an illustrative mortgage of £600,000.
Why is the Scottish example higher?
Scotland uses separate LBTT bands, which produce £48,350 for this home-mover example. It is not an SDLT surcharge.
Editorial record
- Page reviewed
- 19 July 2026
- Calculator data
- 2026.07.1
Official charges use linked public rules; quote-led figures remain planning assumptions until you replace them. Read the source and calculation method or report an error.