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Mansion Tax at £1.5m - what will this mean?

856 replies

MaureenOHara · 20/09/2026 09:27

Does anyone have any idea what this might mean for an individual and what it might do to the market. What happened to the £2m market and will that be replicated or is it different?

OP posts:
Mouldemort · 20/09/2026 12:57

It affects 1% of houses and the usual suspects are whining about it.

“The Valuation Office will conduct a targeted valuation exercise to identify properties above £2 million and therefore in scope. Fewer than 1% of properties in England are expected to be above the £2 million threshold. Revaluations will be conducted every five years“

I don’t particularly like the cliff edge and I’d prefer a complete rebanding of all houses with new bands at the top, but I can live with this.

BeardySchnauzer · 20/09/2026 13:00

I think they said the £2m threshold brought in 120k houses and reducing it to £1.5m will bring in another 200k. It will inevitable be brought down to £1m and then further no doubt.

the admin costs and legal challenges around this will be ridiculous for the amount they are bringing in. Linking it to council tax bands would be more cost effective but would have undoubtedly led to an uptick in people challenging their banding.

EasternStandard · 20/09/2026 13:00

Mouldemort · 20/09/2026 12:57

It affects 1% of houses and the usual suspects are whining about it.

“The Valuation Office will conduct a targeted valuation exercise to identify properties above £2 million and therefore in scope. Fewer than 1% of properties in England are expected to be above the £2 million threshold. Revaluations will be conducted every five years“

I don’t particularly like the cliff edge and I’d prefer a complete rebanding of all houses with new bands at the top, but I can live with this.

Will you be paying it?

Snorlaxo · 20/09/2026 13:00

Will we see people shrinking their house or turninh one house into 2+ flats to get under the 1.5m?

Making the market for houses 1.5m + less flexible will filter down the house value chain. The market should allow people to move house and many jobs depend on the market (conveyancers, estate agents, removal companies…)

ladyjaynes · 20/09/2026 13:18

Surely it should be on property size not value, that’s at least fair across the country. Value can be subjective but size is fixed.

FirmSnake · 20/09/2026 13:20

ladyjaynes · 20/09/2026 13:18

Surely it should be on property size not value, that’s at least fair across the country. Value can be subjective but size is fixed.

Edited

Because it isn't intended as a land tax, it is a wealth tax.

ladyjaynes · 20/09/2026 13:20

FirmSnake · 20/09/2026 13:20

Because it isn't intended as a land tax, it is a wealth tax.

Then it needs to be called that.

FirmSnake · 20/09/2026 13:22

ladyjaynes · 20/09/2026 13:20

Then it needs to be called that.

"Mansion tax" isn't the official name...

Pluto46 · 20/09/2026 13:24

Whatever it is, it will take a disproportionate (to the private sector) amount of civil servants to implement and 'run' it with all that comes with that - wages, inflated pensions, endless sick leave - can't get rid of any dead wood so pay them off instead. The net result will be chicken feed

myjamisbetterthanyours · 20/09/2026 13:26

Rents will go up. The housing benefit bill will go up. It’s not going to bring in much and will scare wealthy foreign buyers off.

It’s purely ideological and punitive.

TheSilverTeapot · 20/09/2026 13:30

Has the threshold change been confirmed as a policy? Or is Labour simply testing the water?

HareBrewery · 20/09/2026 13:32

The Times Radio were reporting that HMRC will be taking on an inspection role to decide on properties that fall into the category. If entry to the property is refused then fines will be imposed.

Also that this tax can be deferred until the property is sold but only if you can prove you do not have the means to pay annually. But it would accumulate over the years you continue to hold the property.

Once this is in place any successive government will keep it in place because even the 'tiny' £800M revenue will be income for the government. The tiny argument doesn't fly anymore, the VAT on independent school fees does not bring in significant revenue but they still did it.

Watch this space because it will it will soon be lowered to £1M in the years to come.

It's a new lever the government can pull to push down house prices. So that tiny amount will progressively increase.

HareBrewery · 20/09/2026 13:33

TheSilverTeapot · 20/09/2026 13:30

Has the threshold change been confirmed as a policy? Or is Labour simply testing the water?

Edited

It been a talked about for a while now and £1.5M recently pushed out to the media along with the introduction timeline of 2028.

So all the signs are there that this is in the pipeline.

itsnotfairisit · 20/09/2026 13:34

HareBrewery · 20/09/2026 13:32

The Times Radio were reporting that HMRC will be taking on an inspection role to decide on properties that fall into the category. If entry to the property is refused then fines will be imposed.

Also that this tax can be deferred until the property is sold but only if you can prove you do not have the means to pay annually. But it would accumulate over the years you continue to hold the property.

Once this is in place any successive government will keep it in place because even the 'tiny' £800M revenue will be income for the government. The tiny argument doesn't fly anymore, the VAT on independent school fees does not bring in significant revenue but they still did it.

Watch this space because it will it will soon be lowered to £1M in the years to come.

It's a new lever the government can pull to push down house prices. So that tiny amount will progressively increase.

If true this sounds like an expensive admin nightmare!

far better to take a hard and honest look at income tax across all levels. And find ways of picking up more from the many many people who simply aren’t declaring. We all know them. We don’t grass. But we know ‘em

PigletJohn · 20/09/2026 13:34

It's widely recognised that the Council Tax system is illogical and unfair. Some people in small, low-value homes pay more than some people in large, high-value homes.

It was designed so that at the bottom end of home values, the tax might seem proportional to house value, but then it ramps away away and gives a much easier ride to people in the most expensive homes. In some cases, prosperous councils charge their prosperous residents next to nothing. It's almost as if the system had been designed to favour the rich.

The changes bring talked about now are attempting to reduce some of the injustices. If will take quite a while to get an overall reform.

TheSilverTeapot · 20/09/2026 13:36

HareBrewery · 20/09/2026 13:33

It been a talked about for a while now and £1.5M recently pushed out to the media along with the introduction timeline of 2028.

So all the signs are there that this is in the pipeline.

Edited

Sorry, I edited to clarify. I know the tax is going to be introduced, but I wasn't sure about the threshold change.

EasternStandard · 20/09/2026 13:36

PigletJohn · 20/09/2026 13:34

It's widely recognised that the Council Tax system is illogical and unfair. Some people in small, low-value homes pay more than some people in large, high-value homes.

It was designed so that at the bottom end of home values, the tax might seem proportional to house value, but then it ramps away away and gives a much easier ride to people in the most expensive homes. In some cases, prosperous councils charge their prosperous residents next to nothing. It's almost as if the system had been designed to favour the rich.

The changes bring talked about now are attempting to reduce some of the injustices. If will take quite a while to get an overall reform.

Edited

This isn’t council tax, which is paying for a local service.

But a way to hit some with an average sized terrace in London.

HareBrewery · 20/09/2026 13:37

itsnotfairisit · 20/09/2026 13:34

If true this sounds like an expensive admin nightmare!

far better to take a hard and honest look at income tax across all levels. And find ways of picking up more from the many many people who simply aren’t declaring. We all know them. We don’t grass. But we know ‘em

Suspect it will be a blended approach. Desktop valuation imposed and wait for an appeal. Then send out inspectors to follow up on appeals.

PigletJohn · 20/09/2026 13:38

EasternStandard · 20/09/2026 13:36

This isn’t council tax, which is paying for a local service.

But a way to hit some with an average sized terrace in London.

No, it isn't the same as Council Tax.

myjamisbetterthanyours · 20/09/2026 13:40

PigletJohn · 20/09/2026 13:34

It's widely recognised that the Council Tax system is illogical and unfair. Some people in small, low-value homes pay more than some people in large, high-value homes.

It was designed so that at the bottom end of home values, the tax might seem proportional to house value, but then it ramps away away and gives a much easier ride to people in the most expensive homes. In some cases, prosperous councils charge their prosperous residents next to nothing. It's almost as if the system had been designed to favour the rich.

The changes bring talked about now are attempting to reduce some of the injustices. If will take quite a while to get an overall reform.

Edited

Of course it’s illogical.

A couple in a house valued at 2.5 million use much less council services that a family of 5 who live an a house worth 750 grand.

Xanhi · 20/09/2026 13:41

Mouldemort · 20/09/2026 12:57

It affects 1% of houses and the usual suspects are whining about it.

“The Valuation Office will conduct a targeted valuation exercise to identify properties above £2 million and therefore in scope. Fewer than 1% of properties in England are expected to be above the £2 million threshold. Revaluations will be conducted every five years“

I don’t particularly like the cliff edge and I’d prefer a complete rebanding of all houses with new bands at the top, but I can live with this.

I'm so glad you have considered it carefully and feel you can live with it. It is really noble of you not to whine. How much will it cost you?

HareBrewery · 20/09/2026 13:44

Withdrawn

KatiePricesKnickers · 20/09/2026 13:45

BeardySchnauzer · 20/09/2026 12:54

I guess the issue is more that an actual mansion in another part of the country won’t attract this tax but a 4 bed terraced with a postage stamp garden will in London

they should call it a high value homes tax rather than a mansion tax

Its official name is High Value Council Tax Surcharge.
You were close!

TheSilverTeapot · 20/09/2026 13:54

These are the current rates proposed. Tbf I don't think it is that outrageous given that, for example, a house worth two million in Westminster is only subject to £2,095.70 in council tax. Which is fair bit less that people (me!) in other parts of the country pay for homes worth less than a quarter of that.

Threshold (£m) Rate (£)
£2.0-2.5 £2,500
£2.5-3.5 £3,500
£3.5-5.0 £5,000
£5+ £7,500

eta: I agree with Xanhi that additional CT bands might be the way forward.

LifeOnEnceladus · 20/09/2026 14:00

It’s ridiculous for many reasons. Firstly in many cases they would be taxing debt because they are not charging it only on actual equity/ assets, totally undermining the basis of our tax systems. Secondly it will of course push rents up enormously and distort the housing market further. Thirdly it will discourage people from maintaining and improving their homes. Fourthly it will be a complete mess administratively because so many people will appeal and it’s unclear how any legally reliable valuation could be determined without forced entry into people’s homes which would be a violation of basic privacy and property rights. The onus per the principles of our legal framework would be on the state to prove a property is worth over whatever the threshold, not on the individual to disprove it so it’s very hard to see how it can be enforceable. Fifthly it will raise very little money in comparison to its administrative costs. Sixthly very few of the properties that would be charged are mansions and many mansions won’t be charged it. If the tax is meant to be a mansion tax it should be charged on square footage given that house prices have no bearing on the cost of providing local services because houses in the same service area will be priced similarly per sq ft. Seventhly, of course once introduced the threshold will be frozen so that in a decade or two the majority of homes will be paying it. Eighthly, it is clearly nothing to do with funding local services but just yet another way to try to redistribute money from people who are already paying higher taxes and a higher proportion of the overall tax burden than in any other developed country, many of whom simply cannot afford it and, as economic research has shown, have less disposable income on average than those living in areas where housing is cheaper, so there’s no moral justification for it either. Ninethly, everybody who understands economics has pointed out that if you are going to have property taxes they need to be based on land value (according to authorised purpose) NOT the value of what is currently built in the land. Tenthly, this along with the raids on pensions, almost gleeful comments about putting large numbers of asylum seekers into wealthier areas in disproportionately sized complexes which will be even less possible to integrate than people staying in hotels, the punitive taxes crippling small businesses and higher earning professionals and the VAT on private school fees when combined make it very clear that the professional Northerner is determined to cripple London and the South East which will, in turn, destroy what’s left of the UK economy and the tax revenues currently produced in those two regions which are the only ones that make a positive net contribution to UK tax revenues.

Burnham’s hatred of aspiration and the middle class is extremely short sighted and his claim that he will create “growth in every postcode” is laughable given these policies. The only things growing are people’s tax bills and hatred of the incompetent and disingenuous Government. It seems that nothing has changed since the previous administration where it was admitted that the only conversations taking place were about who they could tax more to fill their ever increasing self-inflicted “black holes”. So much for “Government will tread lightly on your lives” and “the top priority will be growth”. In the last 2+ years pretty much every policy suggested or implemented by these economic amoebas has had the obvious and predicted effect of doing precisely the opposite of creating growth and then they sit there scratching their heads wondering why further taxes are accelerating the doom loop.

Just wait until the effect of the next bout of inflation that’s coming filters through to people’s food and energy costs and rents/ mortgages over the winter/ spring; then even those who are slower on the uptake will see the impact on their household budgets that this Government’s policies have exacerbated rather than trying to do anything to mitigate/ reduce the impact of global geopolitical problems by actually encouraging growth and investment. It’s unforgiveable for the Government to be making inane tiktok videos about what are, proportionately, irrelevances and waging petty class wars while the standard of living across the UK will tumble catastrophically next year if they continue to refuse to implement any sensible, growth-focused policies. This “mansion tax” is just the latest example of them trying to adopt Count Binface’s tax policy: “I will cut your taxes and raise everyone else’s”. Perhaps these incompetents didn’t realise that this was satire.