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📘 About the UK Stamp Duty Calculator
Stamp duty is charged in slices, like income tax. In England and Northern Ireland the rates from 1 April 2025 are 0% up to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5 million and 12% above. First-time buyers pay nothing up to £300,000 and 5% up to £500,000; above £500,000 they pay normal rates.
Buyers of second homes and buy-to-lets pay 5 percentage points more on every band, and non-UK residents 2% more. Scotland charges LBTT with an 8% Additional Dwelling Supplement, and Wales charges LTT with its own higher rates.
🧮 Formula
✏️ Worked examples
£350,000 home, moving house, England
You get| Tax to pay | £7,500 |
| Tax | Stamp Duty Land Tax (SDLT) |
| Effective rate | 2.14% of the price |
| Total cost with tax | £357,500 |
£7,500.
First-time buyer, £425,000, England
You get| Tax to pay | £6,250 |
| Tax | Stamp Duty Land Tax (SDLT) with first-time buyer relief |
| Effective rate | 1.47% of the price |
| Total cost with tax | £431,250 |
£6,250.
🧭 How to use this calculator
What you enter
- Property price (£)
- Where is the property?
- You are
- Non-UK resident? (England & NI)
What you get
- Tax to pay
- Tax
- Effective rate
- Total cost with tax
💡 SDLT rates in England & NI
- Up to £125,000: 0%
- £125,001 – £250,000: 2%
- £250,001 – £925,000: 5%
- £925,001 – £1.5m: 10%
- Over £1.5m: 12%
❓ Frequently asked questions
How much is stamp duty on a £300,000 house?
Home movers in England pay £5,000. First-time buyers pay nothing. A second home costs £20,000.
Do first-time buyers pay stamp duty?
In England and NI, not on the first £300,000; 5% on the part from £300,001 to £500,000. Homes over £500,000 get no relief. Scotland's LBTT nil band is £175,000 for first-time buyers; Wales has no relief but no tax up to £225,000.
When do I pay stamp duty?
Within 14 days of completion in England and NI, and 30 days in Wales. Your solicitor usually files the return and pays it for you.
Can I get the second-home surcharge back?
Yes, if you sell your previous main home within 3 years of buying the new one, you can claim back the higher-rate part.