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53% of property transactions hide complex SDLT liabilities. Stop relying on generic calculators that blow up deals at the 11th hour. Get certified tax clarity on Day 1, fulfill your FCA obligations, and carry absolutely no tax advice liability.
The 11th-Hour affordability shock.
The 11th-Hour affordability shock.
You’ve secured the Agreement in Principle. The client has their deposit ready. But our platform data shows that 53% of property transactions hide complex SDLT liabilities that standard online calculators completely miss.
If the conveyancer discovers an annex, a mixed-use element, or an accidental 5% surcharge eight weeks into the transaction, the SDLT bill can suddenly jump by £15,000+.
The client’s cash reserve is instantly wiped out. The LTV threshold is breached. The mortgage collapses. Under the FCA’s Consumer Duty, relying on a generic calculator to assess affordability is a direct path to "foreseeable harm."
Use the simulator to see exactly how fast a hidden tax shock kills a deal.
The Old Way
The Old Way
The Generic Guess
The Generic Guess
The Old WayYou use a basic online calculator at the Agreement in Principle (AIP) stage to estimate costs. Eight weeks into the transaction, the conveyancer spots an annex or a mixed-use element. The SDLT bill suddenly jumps by £15,000. The client's cash reserve is wiped out. Affordability is destroyed. The mortgage collapses.
The Stamp Way
The Stamp Way
Compliance by Design
Compliance by Design
You send the secure Stamp link to the client on Day 1. The client completes a 3-minute smart fact-find on their phone. You get an accurate, verified SDLT band that protects the loan's integrity. If the case is complex, the client is instantly directed to an independent expert to resolve it. The deal is saved.
Turn Consumer Duty into a Competitive Advantage.
Turn Consumer Duty into a Competitive Advantage.
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