How to read it
Every row uses the same engine as the main calculator, assuming completion today. Only the labelled assumption changes between rows. Eligibility is rechecked for each row: for example, first-time buyer relief disappears above £500,000 in England & NI, and Wales has none.
Simplified buyer situations
"Eligible first-time buyer" assumes every buyer qualifies and nobody (including a spouse or civil partner) owns another home. "Non-UK resident" applies the 2% surcharge in England & NI only. For your exact answers, use the main calculator.