Claim Overpaid Stamp Duty
on Hazardous Property.

Buy in {{mpg_concatenate}}✔
Residential Property✔
Last 4 Years✔
Pay Higher Rate SDLT✔
Renovation Needed✔
Claim Your Stamp Duty Refund✔

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Do you have a case? Use our free
condition assessment tool.

For a successful claim, your property must have HHSRS Category 1 or 2 defects when purchased.
Use our free condition assessment tool. See if you have a viable reclaim based on property condition at purchase.

1. Click on the images. Then scroll down.
2. See your score at the bottom this page.
3. If over 100, you may have a viable claim!

Our tool helps you identify any defects in the property you’ve purchased that could make it unliveable according to government guidelines.

Different types of problems are grouped together, and you can click on the thumbnail to see more details about each issue.

The tool assigns a score to each condition issue based on severity, adding them up to give a total score. A score above 100 suggests the property is unlivable, and above 300 is a strong case.

If your property is unliveable, it cannot be classified as ‘residential’ for stamp duty purposes. Instead, it can be classified as ‘non-residential,’ and you can pay commercial stamp duty rates, which are usually lower than residential rates. Our stamp duty calculator can show you the difference in rates, and help you determine how much you might save.

“Uninhabitable” and “unlivable”

The terms “uninhabitable” and “unlivable” are often used interchangeably and can mean similar things, but there is a subtle difference in their meanings.

“Uninhabitable” usually refers to a property that is not fit for human habitation due to its condition, such as a severe lack of basic utilities or structural damage. This can be an objective assessment based on local government codes and regulations.

On the other hand, “unlivable” is a more subjective term that can refer to a property that is not comfortable or suitable for living in, even if it meets basic standards for habitability. For example, a property might be unlivable due to noise pollution or other environmental factors, despite being structurally sound and meeting local codes.

Overall, the key difference between the two terms is that “uninhabitable” is a legal and objective term used to define a property that fails to meet minimum standards for human habitation, while “unlivable” is a more subjective term that can refer to any property that is not comfortable or suitable for living in, regardless of its objective condition.

What HMRC Stamp Duty Land Tax
Rebate Can You Claim?

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.

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