⏰ 60-Day HMRC Deadline Applies

UK Capital Gains Tax Property Calculator 2026/27

Calculate what you owe on a buy-to-let, second home or investment property sale — then let our qualified accountants review it before the 60-day HMRC deadline.

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⚠️ Important: Since October 2021, UK residents must report and pay CGT on residential property within 60 days of completion — not at Self Assessment. HMRC automatically issues penalties for late filing, starting at £100 and escalating. Get help with this →

Property Details

Dates

Private Residence Relief

Your Income (This Tax Year)

Enter total annual income before tax. This helps estimate whether your gain falls into the 18% or 24% band.

Estimated Capital Gains Tax Due
£0
Effective rate: 0%
Gross Gain
£0
Your Share
£0
Taxable Gain
£0
Net After CGT
£0
Selling price£0
Less: Selling costs£0
Less: Purchase price£0
Less: Purchase costs£0
Less: Enhancement costs£0
Total gain£0
Your ownership share (100%)£0
Less: Private Residence Relief£0
Less: Additional reliefs / losses£0
Less: Annual Exempt Amount (£3,000)£0
Taxable gain£0
Taxed at 18% (basic rate band)£0
Taxed at 24% (higher rate band)£0
Capital Gains Tax due£0
⏰ HMRC deadline is approaching

You must report and pay this by:

That's days away. Missing it can trigger penalties and interest.

We'll help you with this →

Why sellers hand their CGT return to us

Filing looks simple until you realise what's at stake.

60-day deadline handled

We help you handle the 60-day process with clarity and speed so deadlines are not missed.

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Every relief identified

PRR, spouse transfers and allowable costs you may have forgotten about. We check every angle HMRC allows.

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Clear professional support

You get straightforward guidance, clear next steps and direct access to a qualified accountant.

What clients say

Real feedback from UK property sellers we've helped.

★★★★★

"Sold my buy-to-let and had no idea about the 60-day rule. Everything was explained clearly and handled smoothly."

JR
James R.
Landlord, Bedford
★★★★★

"I'd calculated my CGT myself online and thought I knew the number. Their review picked up things I had not considered."

SK
Sarah K.
Second-home seller, Luton
★★★★★

"Used them for two disposals in the same tax year. Explained everything in plain English and made the process easy."

MT
Michael T.
Portfolio landlord, London

Capital Gains Tax Rates on Property (2026/27)

For the 2026/27 tax year, UK residential property gains are taxed at two rates depending on your total taxable income.

ScenarioRate
Gain within remaining basic rate Income Tax band18%
Gain above basic rate Income Tax band24%
Trustees and personal representatives24%
Annual Exempt Amount (per person)£3,000

Reliefs that reduce your bill

Private Residence Relief (PRR)

If the property was your main home at any point, PRR exempts the corresponding proportion of the gain. The final 9 months of ownership can also qualify.

Spousal transfers

Transferring part of a property to your spouse before sale can be an important planning point in the right circumstances.

Capital losses

Losses on other assets may be available to offset against gains before the exemption is applied.

Allowable costs most people forget

  • Original Stamp Duty paid at purchase
  • Legal, survey and valuation fees
  • Estate agent and conveyancing fees on sale
  • Capital improvements rather than routine repairs

Frequently Asked Questions

Why can't I just file it myself?

You can, but many people miss deductions, reliefs or deadlines. A review helps reduce mistakes.

What happens if I miss the 60-day deadline?

HMRC can charge penalties and interest for late reporting and late payment.

How quickly can you help if I'm up against the deadline?

If you are close to the deadline, call urgently on 01582 340887.

What if I'm not sure I owe CGT at all?

A review can usually make this clear quickly once the property facts and figures are checked.

Do you handle non-resident CGT returns?

Yes, these can also be reviewed and handled separately where needed.

Don't Risk The 60-Day Deadline

Get a qualified accountant to review your CGT position and help you file correctly.

Request My CGT Review
Or call us now on 01582 340887 — 8am to 7pm, Monday to Saturday
Disclaimer: This calculator provides an estimate only and should be treated as a guide, not final tax advice.