Agentic UK Stamp Duty Land Tax (SDLT) additional dwelling supplement calculation, mixed-use relief eligibility assessment, and HMRC amendment return pack service for small property investors and developers (1–10 properties) who overpaid SDLT on residential purchases or qualify for relief they did not claim. Replaces the tax adviser or conveyancer who charges £800–£2,500 to review the original SDLT return, identify overpayment grounds (e.g. mixed-use, multiple dwellings relief, uninhabitable property), and submit the HMRC amendment within the 12-month window.
Why now
Justified by the October 2024 Autumn Budget SDLT surcharge increase (additional dwelling rate raised from 3% to 5%), which simultaneously increased overpayment risk for borderline mixed-use properties and created a wave of investor purchases ahead of the deadline generating new amendment opportunities (https://www.gov.uk/government/publications/autumn-budget-2024/autumn-budget-2024). Multiple r/UKPersonalFinance and r/PropertyInvesting threads confirm widespread confusion about SDLT relief eligibility.
Source signals
https://www.gov.uk/government/publications/autumn-budget-2024/autumn-budget-2024
Commercial value
HMRC data shows thousands of SDLT overpayments annually; specialist SDLT reclaim firms charge 15–25% of the refund (average refund £8,000–£30,000 on investment properties). A fixed-fee service at £299–£599 per assessment or a 10% success fee model is a direct replacement. Named budget: conveyancer or tax adviser invoice. TAM: ~100,000 additional dwelling purchases per year in UK.
Go-to-market
Target small property investors via r/PropertyInvesting, r/UKPersonalFinance, and Facebook groups (Property Investors Network). Hook: 'Did you overpay SDLT? Free 3-minute eligibility check.' Success-fee model (10% of refund) removes price friction. First 10 customers via direct outreach to posters who mention recent property purchases. Partner with small conveyancing firms who refer cases they lack capacity to review.
2-week MVP
A 12-question Typeform covering purchase price, property type, number of dwellings, buyer status, and intended use. LLM scores the submission against the top 5 SDLT relief grounds (mixed-use, MDR, uninhabitable, first-time buyer, non-residential). Output: a one-page eligibility memo with a recommended action (amend/don't amend) and a draft HMRC amendment letter if eligible. Delivered by email within 2 hours. No HMRC portal integration, no case management. Day-1 outcome: investor knows if they have a valid overpayment claim and has a draft amendment letter ready to send to their conveyancer.
Agent score
0.62 — Commercial score high — success-fee model means zero price resistance, average refund of £8,000–£30,000 makes even a 10% fee compelling, and the October 2024 rate increase created a fresh cohort of overpayers. Speed very high — MVP is a form + LLM scoring + letter template, shippable in under 1 week, and first 10 customers are reachable via property forums with a free eligibility hook. Defensibility weakest of the set — pure document generation with no proprietary data; rises only if the product builds a case outcome database or integrates directly with HMRC's SDLT portal.
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