Stamp Duty Land Tax (SDLT) Advice
We help Cardiff property buyers, landlords and investors understand and minimise Land Transaction Tax on their purchases. Whether you're buying your first home, adding to your portfolio or structuring a company purchase, we'll make sure you pay the right amount and claim every relief you're entitled to.
LTT and property tax advice we provide
From first-time buyer reliefs to complex enveloped dwelling structures, we cover all aspects of Land Transaction Tax and property taxation for Cardiff and South Wales buyers.
First-Time Buyer Relief
Maximising your LTT savings when purchasing your first home in Wales, with rates from 0% up to qualifying thresholds.
Buy-to-Let & Second Home Surcharges
Navigating the additional 4% LTT rate for landlords and second property purchases, plus structuring advice to reduce liability.
Company & Enveloped Dwelling Tax
ATED compliance and corporation tax planning for properties held in limited companies or corporate structures.
Mixed-Use & Commercial Property LTT
Calculating Land Transaction Tax on non-residential purchases, including shops, offices and mixed-use developments.
Getting your property purchase tax right
Since 2018, property purchases in Wales have been subject to Land Transaction Tax rather than the old Stamp Duty system. The rates, thresholds and reliefs are different, and if you're buying in Cardiff or anywhere across South Wales, you need advice that reflects Welsh rules, not English ones. We work with first-time buyers, landlords, property investors and limited companies to calculate your LTT liability accurately, identify every available relief, and file your return on time.
The process starts with a review of your transaction. We'll look at the purchase price, property type, whether it's residential or mixed-use, and your personal circumstances to work out exactly what you owe. For first-time buyers purchasing up to £225,000, you'll pay nothing. If you're adding to a portfolio or buying through a company, we'll factor in the 4% surcharge and explore structuring options that might reduce your bill.
We've saved Cardiff landlords thousands by spotting reliefs and structuring purchases correctly before completion.
More information
Timing matters. Your LTT return and payment must reach the Welsh Revenue Authority within 30 days of completion, and your solicitor will usually handle the filing. But the calculations need to be right from the start, because corrections after the fact can trigger penalties and interest. We work alongside your conveyancer to make sure the figures are accurate and submitted on time, so you can complete with confidence.
Buyers often worry about unexpected costs or paying more than they need to. Common concerns include whether a property counts as a second home, how mixed-use rules apply, or whether a limited company structure makes sense for a buy-to-let. We'll talk through your situation in plain English, explain the trade-offs, and give you a clear answer before you commit.
What's included in our LTT service
- Full calculation of your Land Transaction Tax liability
- Review of all available reliefs and exemptions
- Guidance on first-time buyer rates and thresholds
- Surcharge analysis for additional properties and buy-to-let
- ATED compliance for properties held in companies
- Liaison with your solicitor to ensure correct filing
- Ongoing advice on CGT, corporation tax and landlord obligations
We're based in Cardiff and work with buyers across South Wales, from Penarth and Barry to Newport, the Vale of Glamorgan and the valleys. Whether you're purchasing a terraced house in Cathays, a new-build flat in Cardiff Bay, or a commercial unit in Pontypridd, we know the local market and the tax rules that apply here. That means you get advice that's relevant, timely and tailored to your situation, not generic guidance copied from a UK-wide template.
Worth considering
Property Portfolio Accounting
Rental income and expense accounting across multiple properties, with clean records, profitability by property, and HMRC-ready figures for returns and planning.
Property Portfolio Accounting→Buy-to-Let Tax Returns
Buy-to-let tax returns prepared and filed with clear guidance on rental income, allowable expenses and HMRC deadlines, so you stay compliant and pay the right tax.
Buy-to-Let Tax Returns→Landlord Accounting Services
Landlord accounting for rental income, allowable expenses and HMRC deadlines. Clear figures for Self Assessment, plus support for property sales and tax planning.
Landlord Accounting Services→Before you get in touch
These are the questions Cardiff property buyers ask us most often about Land Transaction Tax.
Do I pay SDLT or LTT if I'm buying in Cardiff?
How much LTT will I pay on a property purchase?
Can I claim first-time buyer relief if I'm buying through a limited company?
When does my LTT return need to be filed?
What happens if I pay my LTT late?
Does LTT apply to buy-to-let and second homes?
What's ATED and do I need to worry about it?
Can you help with mixed-use or commercial property purchases?
Let's talk about your property purchase
Book a free consultation and we'll explain your LTT liability, identify available reliefs, and make sure everything is filed correctly and on time.
Book a free consultation