When and how do you pay stamp duty on a second property? I'm in the process of buying the house we currently rent off my brother in law and I declared on all paperwork that I already own a house I used to live in before having to move up north due to having our daughter. I received all the paperwork through today to sign and a request for an amount to cover the deposit and outstanding fees, no mention I can find of stamp duty though? FWIW I went with HSBC for my mortgage as I've banked with them for years and they have some decent products. It was as easy a process as I could imagine, 2 appointments with the advisor and all done, no paperwork to fill in about expenditure etc, just went through my bank statements for 15 mins while sat at his PC. Probably helps that I put 20% down and only borrowed 1 x salary on top of my existing mortgage of 2 x salary and the other property yields twice the mortgage payments.