Who it's forConveyancersMortgage brokersNetworks and platformsIntroducersStampAboutHow it worksReal casesInsightsLoginBook a demo
Real cases

Six purchases. One question each.

Real cases from Stamp's files, with names, firms, addresses and dates removed. In each one, a single answer moved the stamp duty by tens of thousands of pounds, and a single-figure calculator would have shown one end of the range with nothing to say the other existed.

Low to high, on one scale
Flat in Greece
Her home, his buy-to-let
Separating
Staircasing
Mixed use
Company buying
£0£90,000£178,500
0%

of purchases checked in 2026 were non-standard, so nearly half needed a closer look*

£0k

median gap between the best and worst case on a non-standard purchase*

3 in 10

non-standard cases could owe nothing in the best case, if the right relief applies*

*Stamp.Expert data for checks completed in 2026, up to November 2026. Non-standard means something in the client's answers makes the stamp duty uncertain. Best and worst cases are the two ends of the range shown to the client; the amount actually due depends on the facts and, for non-standard purchases, on advice from a tax adviser. Stamp.Expert does not give tax advice.

The six cases

What the client said. What Stamp showed.

CASE 01

A flat in Greece

The purchase
A couple buying a home for about £600,000. One of them owns a low-value share of a property in Greece.
What the answers flagged
The higher rates look at property owned anywhere in the world, but an interest worth less than £40,000 is ignored. Which side of that line the share falls decides the bill.
What a calculator shows
£20,000 or £50,000, depending on how one 'other property' question is answered.
£0
Low £20,000High £50,000
CASE 02

Her home, his buy-to-let

The purchase
A couple buying together for about £1.1 million. They are selling the home she owns. He owns a buy-to-let.
What the answers flagged
Replacing a main residence can take a purchase out of the higher rates, but the test applies to each buyer. Who owned the home being sold, and whether the couple are married, changes the answer.
What a calculator shows
One figure. 'Are you selling your main home?' gets a yes, and the buy-to-let may never come up.
£0
Low £53,750High £108,750
CASE 03

A couple separating

The purchase
A transfer of equity on a home worth about £650,000, with one partner taking over the property.
What the answers flagged
A transfer under a divorce or formal separation agreement or court order can be exempt. Without one, the share of the mortgage taken on counts as payment.
What a calculator shows
A price in, one figure out. It doesn't ask about a court order.
£0
Low £0High £55,000
CASE 04

Buying the other half

The purchase
A shared-ownership couple buying a further 50% of their home, valued at about £320,000.
What the answers flagged
Stamp duty on staircasing depends on the election made when the first share was bought and on how much they will own afterwards. The original paperwork decides it.
What a calculator shows
One figure on the price of the new share, as if it were an ordinary purchase.
£0
Low £0High £22,000
CASE 05

A home with something else attached

The purchase
A couple buying a property for about £605,000 that may count as mixed use.
What the answers flagged
Mixed-use property is taxed at the lower non-residential rates. Whether a property truly qualifies is a question of fact, and HMRC challenges claims that don't stand up.
What a calculator shows
One figure, from whichever option is picked in a drop-down.
£0
Low £9,250High £50,500
CASE 06

A company buying a house

The purchase
A limited company buying a residential property for about £1.05 million, which may be let to someone connected with the company.
What the answers flagged
A company buying a dwelling over £500,000 pays a flat 17% unless a relief applies, such as a genuine letting business. Letting to a connected person can lose that relief.
What a calculator shows
One figure at the ordinary company rates. It doesn't ask who the tenant will be.
£0
Low £101,250High £178,500

Every range bar is drawn on the same scale, from £0 to £178,500.

How to read the ranges

A warning, not a final figure.

Each range is what Stamp showed the client when they finished their answers: the lowest and highest stamp duty the purchase could carry, on the rates in force at the time. The right figure sits somewhere in the range and needs a tax adviser to confirm it.

What the firm had on file

In every case, the file showed the working.

The client's own answers

Timestamped, not a fee-earner's note of a phone call.

The range and the reason

In plain English.

The client's choice

An independent adviser, their own adviser, or advice declined with the risk warning accepted.

Book a demo

How many of these are on your files right now?

A short call: the client journey, a standard and a non-standard result, and the record your file receives.

  • No set-up fee
  • No subscription
  • Works with your systems