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Thinking about property as a self-employed professional? Gorilla Accounting offers expert, fixed-fee support to help you stay tax-efficient, compliant, and stress-free – whether you’re buying your first home or building a buy-to-let portfolio.
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Please note that these calculations are based solely on the information you’ve provided and cover England and Wales only. Actual results may vary depending on additional factors. The calculations should be used for illustration purposes only. For a more accurate and personalised assessment, we recommend getting in touch with us directly.
Buy-to-let accounting with Gorilla
If you’re purchasing a buy-to-let property, our landlord accountancy service will help you get the most from your investment. We understand the challenges landlords face and with Gorilla you’ll work with your own dedicated accountant who will be in your corner to provide unlimited support and advice with a same working day response to your queries guaranteed.
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FreeAgent included in package price. Xero included or discounted depending on license.
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Our accounting packages offer all-inclusive, tiered pricing for landlords with transparent fixed fees and no nasty surprises.
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All your business and personal accounting needs expertly managed by your own dedicated accountant.
UNLIMITED SUPPORT & ADVICE
Unlimited expert support and advice with a guaranteed same working day response to your queries.
We’ll expertly manage all your business and personal accounting needs and ensure your business is operating as tax-efficiently as possible. You also receive full access to FreeAgent accounting software which offers significant benefits as well as ensuring you’re compliant with your Making Tax Digital for Income Tax obligations which come into effect for some landlords from April 2026.
We can also refer you to our trusted partner Cleerly if you’re looking for a specialist mortgage that’s tailored for the self-employed.
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Useful Information
What is stamp duty?
Stamp Duty is a tax paid when you buy a property in England and Northern Ireland that’s valued over £125,00. The amount you pay depends on the property price and your situation as a buyer.
How much is stamp duty?
Stamp Duty is calculated using bands which means different parts of the purchase price are taxed at different rates between 0% and 12%. You don’t pay a single percentage on the full amount, only on the portion that falls within each tax band.
Stamp duty rates depend on the price of the property and factors such as whether it’s your main residence, a second home or if you qualify for first-time buyer relief.
Stamp duty on buy-to-let and second homes
If you’re buying additional properties such as a second home or buy-to-let property, you’ll usually pay an extra 3% Stamp Duty surcharge on top of the standard rates. This applies to most additional homes in England and Northern Ireland, even if your main residence is jointly owned or abroad.
This surcharge can increase your tax bill significantly, especially on higher value properties where higher rates apply, so it’s important for self-employed buyers to factor it into their budget to avoid surprises.
Stamp duty relief for first-time buyers
If you’re buying your first home, you may qualify for Stamp Duty relief which can reduce or even zero your tax liability. In England and Northern Ireland, first-time buyers pay no Stamp Duty on properties up to a certain value and reduced rates above that.
To qualify, the property must be your only or main residence and you can’t have previously owned property in the UK or abroad. This relief helps first-time buyers save money and start climbing the property ladder.
When do you pay your stamp duty liability?
Stamp Duty returns and payments must be submitted to HMRC within 14 days of the completion date on the property. Penalties or interest charges could apply if you miss the deadline.
Usually your solicitor will submit the return and pay any Stamp Duty owed on your behalf. If you’re handling it yourself, it’s important to understand your responsibilities and be aware of the deadline to avoid any additional costs.
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