Stamp Duty Land Tax (SDLT) in England cannot formally be added to a mortgage as a separate charge, but borrowing additional funds to cover it is possible if the loan-to-value ratio allows. For example, if a property is worth £300,000 and the lender offers 95% LTV, the maximum loan is £285,000 — enough to cover purchase price plus some SDLT. Lenders assess total borrowing against property value, not its purpose (HMRC SDLT guidance, FCA MCOB, UK Finance, 2026). |
Can You Add Stamp Duty To MortgageStamp Duty Land Tax in England and Northern Ireland, Land and Buildings Transaction Tax in Scotland, and Land Transaction Tax in Wales are paid by the... 
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