Updated for 2026 Tax Year

Commercial Property Purchase Cost Calculator

Model upfront capital for UK commercial or mixed-use acquisitions (freehold or new leasehold), including non-residential SDLT slices, VAT-inclusive SDLT basis when opted to tax, illustrative lease rent NPV SDLT, and typical legal, lending, and survey costs.

Saved scenarios

Adjust inputs, then save as a named scenario.

Found a bug? Report it

Block A — Property basics

Purchase price / premium (£)

Transaction type

VAT option (opted to tax)

VAT guidance

Mixed-use property (non-residential SDLT; higher default survey assumptions)

Block C — Financing & funding

Financing type

Loan-to-value (30%)

LTV (%)

Loan amount (read only): £120,000

Lender arrangement fee (%)

Defaults follow the commercial fee rules on the left; edit any value to override.

Buyer's conveyancing (£)

Lender's legal fees (£)

Lender arrangement fee (£)

Broker mandate fee (£)

Commercial valuation (£)

Building survey & schedule of condition (£)

Environmental / asbestos (Phase 1) (£)

Searches & disbursements (£)

HM Land Registry (Scale 2 commercial) (£)

SDLT basis (VAT-inclusive if opted): £480,000

Band	Rate	Tax
Up to £150,000	0.00%	£0
£150,001 – £250,000	2.00%	£2,000
Over £250,000	5.00%	£11,500
Subtotal		£13,500

Total cash required at completion

£386,020

(Purchase − loan) + VAT + SDLT + fees + surveys + lending costs

Cash breakdown

Item	Amount
Cash deposit / equity	£280,000
Upfront VAT (20%)	£80,000
Total SDLT (stamp duty)	£13,500
Professional, legal, surveys & registration	£7,420
Lending & broker arrangement costs	£5,100
Total	£386,020

Calculated using UK non-residential progressive slices. Surcharges do not apply, but tax uses the VAT-inclusive price when the property is opted to tax.

Visual breakdown

Reference

Guidance & FAQ

This tool applies scenario-specific financial formulas to generate results.
Outputs are standardized into monthly and annual evidence for comparability.
Risk and tax assumptions are stress-tested for 2026 planning accuracy.

Last Updated: 16 Apr 2026

Need a full audit of these calculations? Download the Professional PDF Report

Links & Resources

GOV.UK: Property taxes and buying guidance GOV.UK: SDLT and property tax guidance

Important disclaimer

Content on this site is for educational and planning purposes only and does not constitute regulated financial advice. Always assess your own circumstances and seek guidance from a qualified adviser where appropriate. See the full disclaimer.

Project Cashflow

Commercial Property Purchase Cost Calculator

Block A — Property basics

Block C — Financing & funding

Advanced fees (editable)

SDLT detail — purchase consideration

Guidance & FAQ

Links & Resources