Uninhabitable Property Claims  ✔

Mixed Use Claims ✔

Property trader SDLT Exemptions ✔

HMRC Enquiry Defence: No Win, No Fee ✔

SDLT / LTT / LBTT ✔

Land tax question? Email me the details. I’ll respond promptly at no charge. If helpful, make a donation to one of my chosen charities: Mind, Dogs Trust, or The Trussell Trust.Email: [email protected]

Claim or  HMRC enquiry defence? Call me: Tel: 0204 577 3323

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Huge Library of Stamp Duty Help Information

  • For excerpts from Nick Garner’s reference book on stamp duty, visit here.
  • For a comprehensive list of all our 1000+ HMRC guidance pages, visit here.
  • Hazardous condition issue claims process, visit here.

Tools

Case Reference

Written by Land Tax Expert Nick Garner.
See free excerpts here.

Overpaid Stamp Duty? You Could Be Owed ££££

If your property meets one of the following conditions:

  1. Mixed Use: If your property includes both residential and non-residential elements (e.g., a shop with residential units above or an apartment with a gym or health facility in the building), the entire transaction can be assessed as non-residential for stamp duty purposes.
  2. Uninhabitable: If your property is deemed not suitable for use as a single dwelling if it possesses fundamental defects that render it uninhabitable and these defects cannot be remedied through repair or renovation without extensive reconstruction or demolition.

You may qualify for a stamp duty refund!

How the calculator works: It compares residential and non-residential stamp duty rates.

Stamp Duty Rebate Calculator

Our stamp duty calculator is designed to help you determine if you can claim overpaid stamp duty based on the property’s condition at the time of purchase.

Who Can Claim?

You may be eligible to claim a stamp duty rebate if:

  • Your property was not habitable due to condition hazards at the time of purchase.
  • You bought the property within the last four years.
  • The property is located in England or Northern Ireland.

If these conditions apply, you should likely have paid non-residential rates of stamp duty.

How It Works

Our calculator uses a specialised algorithm to:

  • Consider your specific situation.
  • Provide advice on whether pursuing a stamp duty claim is worthwhile.

Important Notes

  • Eligibility Criteria: Ensure your property meets the specific eligibility criteria as detailed in our eligibility tool.
  • Lease Agreements: Our calculator doesn’t account for lease agreements on properties. For these cases, use the government HMRC Stamp Duty calculator.

Disclaimer

While our tool can give you a general idea of what you might expect to reclaim, do not rely on it for actual stamp duty returns. For official calculations, use the government stamp duty calculator.

Calculate Your SDLT From Resi to Non-Resi or Mixed Use

Calculate Your SDLT From Resi to Non-Resi or Mixed Use.

The calculator shows your possible stamp duty savings.

© 2024 Stamp Duty Advice Bureau. All Rights Reserved.

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Land Tax Advice (Stamp Duty Advice Bureau)
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Zk Ka
11:44 10 Sep 25
Nick was incredibly helpful in explaining a complex SDLT issue. He broke everything down clearly, walked me through the calculations and options, and made the whole situation much easier to understand. Even though the outcome wasn't quite what I hoped for, his advice has given me clarity on my next steps.
Professional, knowledgeable and considerate - highly recommended!
Steve Mayers
10:24 04 Sep 25
Nick is knowledgeable, helpful, and kind. In a brief call he quickly identified the relevant information to answer our land tax query. Combining his knowledge of the UK guidelines, and relevant case law he answered our query quickly and with confidence. Thanks!
Monika Khera
16:36 02 Sep 25
Nick’s professional knowledge is truly commendable; complex SDLT issue was explained in such a simple language with precise reasons . It’s been an absolute pleasure knowing Nick. Highly recommend Nick.
ali shaik
19:41 01 Sep 25
I had an excellent experience with Nick. He took the time to give me a very detailed explanation, answered all of my questions thoroughly, and provided clear guidance that was easy to understand. His professionalism, patience, and support made a real difference, and I felt confident after our discussion. Highly recommended!
STEVEN SANDERS
19:51 25 Aug 25
I would like to say a big thank you to Nick for his extremely prompt response to my emailed enquiries in relation to both SDLT and LTT including higher rate. The information Nick has provided me with is very helpful and both concise and easy to understand and will allow me to confidently move forward with my personal situation regarding property. I greatly appreciate your time and effort and highly recommend your services, thanks very much again Nick!
Zidaan Ltd
14:38 07 Aug 25
I’m extremely grateful to Nick for their prompt and expert assistance in resolving my SDLT issue. They responded quickly, clearly understood the situation, and provided practical, accurate guidance that led to a smooth resolution.

Their professionalism, knowledge of the process, and ability to act efficiently made what could have been a stressful experience feel completely manageable. It’s rare to find someone so responsive and effective — I wouldn’t hesitate to recommend their services to anyone dealing with property-related matters.
Debbie Stone
13:29 23 Jul 25
Nick helped us with a very detailed answer in support of our son Ollie's (first time buyer) 'equity share' house purchase, for which his solicitor had mis-calculated a higher rate of SDLT (on the market value rather than the purchase price). We were desperate for a detailed enough proof of calculation to satisfy the legal team and Nick's help has saved us. Our son could not have afforded the higher rate they had miscalculated. His work is invaluable as are the causes he supports
Luke Thomas
18:25 13 Jul 25
Nick was a massive help with Stamp Duty issues surrounding stair casing on my flat. My solicitor was certain the remaining percentage purchase of my flat resulted in me paying Stamp Duty of a few thousand pounds.

Nicks professional knowledge and expertise outlined clauses of stamp duty where I was not required to pay stamp duty for stair-casing and based upon remaining percentage being purchased.

This evidence was used to relay back to my solicitor who acknowledged there would be no further action required to pay stamp duty.

This saved me a few thousand pounds.

Nick is highly professional, reliable, takes interest into each clients needs. Would highly recommend and will use in the future.
Alun Thomas
14:41 08 Jul 25
I'm absolutely delighted to have found this website and to have been able to speak with Nick !!
I have been trying to make sense of the legislation for some weeks now and Nick unravelled the knots that i've mentally made of our complicated situation.
He patiently listened whilst I described the multiple aspects and then explained the related schedule to each element in such an easily understandable way, happily clarifying any aspect that I was unsure of.
Nick then invited me to e mail him so that he could explain in writing and refer to the relevant legislation schedule.
I recieved his reply so quickly and the information was presented stage by stage with such clarity that I now feel completely confident that I know which tax is due (and which isn't !!)
I can't thank or recommend Nick enough for his remarkable service.
It's a huge weight lifted !! and i'm ever so grateful.
ruba sodha
14:37 04 Jun 25
Nick called me within an hour of my contacting him. He was very thorough with understating what is a complex area of SDLT and researched the legislation in question. Very approachable. Thank you we really appreciate your help.
Sunil Kumara
10:12 04 Jun 25
Nick is the best tax consultant I’ve interacted with—he responded within minutes with a clear and concise answer. He’s approachable, easy to understand, and incredibly helpful. Thank you, Nick!
Frankie Johnson
12:42 02 Jun 25
Excellent service. Speedy responses to my questions from an extremely knowledgeable bloke. Would certainly recommend utilising his services.
stephanie beechey
13:55 29 May 25
Nick was very helpful on my query regarding Stamp Duty rates. He was prompt with his reply and his knowledge was excellent. I now feel less confused in this minefield of taxes. Thanks Nick
Si Wachira
18:30 28 May 25
My solicitor was unable to provide advice with certainty about a specific transaction involving LBTT, a yes or no question.
I struggled to find the answer myself from reading the legislation and tax advisors quoted 100s of pounds in order to research and tell me if the correct answer was yes or no.
Nick responded quickly, same day and provided the answer with a detailed explanation. Exactly what I needed to comply with the legislation. Thank you so much for your help.
Dee Coman
12:30 22 May 25
Nick has been very helpful. He communicated his advice very clearly. I highly recommend him for all those who have stamp duty queries. Thank you, Nick.
Ajmal Mian
10:48 21 May 25
I asked Nick a question on stamp duty and his response was very professional setting out the condition applicable to this particular case.
Dhvanil Shah
10:38 19 May 25
I have recently reached out to Land Tax Advice for free of cost advice to my query related to LBTT and Additional Dwelling Supplement in Scotland.

Nick thoroughly went through my case in detail, provided with a clear answer and also attached the legislation supporting the answer he provided.

I would definitely recommend their service. Thanks.
Robert Harper
08:21 19 May 25
Nick quickly provided exactly the sort of impartial insight that I needed and was struggling to find. It was a great help and very much appreciated.
Julie Morris
16:01 16 May 25
Nick is very knowledgeable regarding this field. Not only is he knowledgeable he make it very easy to understand the minefield of stamp duty. Nick has just saved me over £7,000 in stamp duty as its not payable on my planned move. It's easy for a solicitor to say you owe X amount in stamp duty its not their hard earned money being paid out unnecessary. I will never be able to thank Nick enough. My advice is if you think your solicitor has got it wrong seek out Nick. Once again Nick thank-you so much.

Take Julie
Rob Watling
15:05 16 May 25
Thorough, detailed and comprehensive. Thanks
Ajay Treon
10:50 18 Apr 25
Amazing advice. Anyone with any SDLT queries Nick should be your goto advisor. Many thanks Nick.
Hannah Marsh
19:27 09 Apr 25
I was stressed out today believing we needed to pay stamp duty on a transfer of a house when previously I didn’t think we did. I called up and asked for advice, explained my situation and that I did not understand. It was explained really clearly to me, which was so helpful. I had already tried to get advice from my accountant who did not know the answer. In fact no one seemed to know the answer until I made this phone call so I am relieved I did.
Samuel
11:20 08 Apr 25
Nick was fantastic gave me some wonderful advice would definitely recommend. Thanks Nick
Lara H
21:57 30 Mar 25
Needed some advice on two SDLT matters and Nick was so helpful and knowledgeable. I’d highly recommend his services, he’s a pleasure to deal with and clearly knows his stuff!
Jonathan Cockroft
15:45 24 Mar 25
Nick is an expert in his field, knowledgeable, offering clear and concise understanding around your SDLT issue and found a prompt, informed roadmap to my individual issue. 100% speak to Nick before anyone else.
David Wong wongchisin88
12:43 12 Mar 25
My wife and I newly moved to the UK and encountered a problem over the eligibility of first time buyer. I contacted Nick over the phone for enquiry. Although I made the enquiry without any payment to Nick, he seriously took my case and eventually gave me very useful information, which greatly helped us to make decisions for the declaration of Stamp Duty. Throughout our communication, we definitely saw and felt Nick's passion and expertise in land tax field and professional comprehension of the law as well as very high efficiency. Seeing the information and explanation of the law given by Nick, we were certain that our simple question did cost Nick quite a bit time and efforts, yet he was all the time very polite. Seeing his true willingness and passion to help, patience, efficiency and expertise in land tax and the law, we truly admire this sage gentleman. Thank you very much Nick for helping us.
David Carter
16:44 07 Jan 25
Nick is incredibly knowledgeable and was immediately able to understand my complex position in relation to UK Stamp Duty as an expat working in Switzerland. He was quick and generous in providing useful, actionable and timely advice that has allowed me to save thousands in avoidable taxation. Many thanks for your help Nick - all greatly appreciated.
Debora Depaola
17:33 22 Nov 24
Nick was great during our appointment, providing clear and concise clarification about stamp duty.

He explained everything in an easy-to-understand way, also providing with reference to the guidance, ensuring we felt confident about the process. His professionalism, knowledge, and approachable manner made the experience seamless and stress-free.

We left feeling much more confident thanks to his help!

Highly recommend!
Natalia Boguslawska
17:43 10 Nov 24
Thanks for the incredibly helpful and informative chat. Nick has patiently explained a lot, and did not dismiss my query despite the transaction being too small or not qualifying. Very knowledgeable guy, and approachable. Highly recommend!

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Overpaid SDLT, LTT, or LBTT,
or want to save tax?

Reclaim Cases

Reclaim cases: No win, no fee. I handle the entire process. You receive the refund directly, then pay me. I defend your claim and if the tax is later repaid, I refund my fee.

Email or call me to discuss your SDLT, LTT, or LBTT case. Tel: [email protected] |  0204 577 3323

HMRC Enquiry Defence

Enquiry defence: Bought a property and received an HMRC enquiry within 9 months? Get in touch. Explain the problem and I may be able to represent you in fighting HMRC. I work on a no win, no fee basis—so if I succeed in resolving the enquiry in your favour, you pay me a percentage of the tax saved or reclaimed, depending on the case.

Email or call me to discuss your SDLT, LTT, or LBTT enquiry. [email protected] |  0204 577 3323

Free Land Tax Advice.

If your solicitor or accountant can’t answer your land tax query or or solve your Land Tax issue, email me; [email protected], explaining the matter and related circumstances. If I’m able to help, please consider a charitable donation to support this free service.

Disclaimer: This advice is informal and not professionally indemnified.