Markets
Buying and renting a home in United Kingdom
- Coverage
- Tier 3: guide and links to local portals
- Prices in
- GBP
- Floor area in
- square feet
Each fact below links to the official page it comes from. We have not finished testing this market yet, so confirm anything important with the source or a local lawyer.
Homes in United Kingdom are listed on
Homejourney does not list homes in United Kingdom yet. Prices on these sites are in GBP.
Who may buy
For Stamp Duty Land Tax in England and Northern Ireland, nationality does not matter: an individual buyer is non-UK resident if they were in the UK for fewer than 183 days in the 12 months before buying.
Source: GOV.UK (opens in a new tab) · Checked 11 November 2026
An overseas company that wants to buy, sell or transfer UK property must first register with Companies House and name its registrable beneficial owners or managing officers.
Source: GOV.UK (opens in a new tab) · Checked 11 November 2026
Purchase taxes
Stamp Duty Land Tax on a home in England or Northern Ireland, when it is the only home the buyer owns: 0% up to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5 million and 12% above that. Scotland and Wales have their own taxes.
Source: GOV.UK (opens in a new tab) · Checked 11 November 2026
A buyer who is not UK resident usually pays a 2% surcharge on a home in England or Northern Ireland, on top of the other rates.
Source: GOV.UK (opens in a new tab) · Checked 11 November 2026
A buyer who will own more than one home after the purchase usually pays 5% on top of the Stamp Duty Land Tax rates.
Source: GOV.UK (opens in a new tab) · Checked 11 November 2026
Loan limits
The Bank of England aims to keep mortgages at a high loan-to-income ratio to no more than 15% of new mortgages across the market. An April 2026 consultation proposes removing the 15% limit for individual lenders.
Source: Bank of England, Prudential Regulation Authority (opens in a new tab) · Checked 11 November 2026
Renting
In England and Wales, a landlord must put a tenant’s deposit in a government-approved scheme within 30 days of getting it. Assured periodic tenancies replaced assured shorthold tenancies on 1 May 2026.
Source: GOV.UK (opens in a new tab) · Checked 11 November 2026
In England, a deposit can be at most five weeks’ rent when the yearly rent is below £50,000, and six weeks’ rent from £50,000.
Source: GOV.UK, Tenant Fees Act 2019 statutory guidance (opens in a new tab) · Checked 11 November 2026