Stamp Duty Payable
£0
Tax Band Breakdown
Enter a price to see breakdown
Expert Note: Select a region and price to see local tax rules.
Stamp Duty Land Tax (SDLT) is one of the biggest upfront costs of buying a home in England. Understanding how it works and planning for it early is all part of the joined-up advice we provide.
If you're a first-time buyer purchasing a property for £500,000 or less, you may qualify for first-time buyer SDLT relief. On properties up to £300,000 (from April 2025), you pay no stamp duty at all — a significant saving.
Buying a second home or a buy-to-let property? You'll pay an additional 3% surcharge on top of the standard SDLT rates. This applies even if your main residence is abroad, so plan your budget accordingly.
Unlike your deposit, stamp duty generally can't be borrowed — you need the funds ready at completion. Factor it into your budget from the moment you start house hunting to avoid any last-minute surprises.
Stamp Duty Land Tax is a tax paid when buying a residential property in England or Northern Ireland above a certain value. In Scotland it's called Land and Buildings Transaction Tax (LBTT), and in Wales it's Land Transaction Tax (LTT). Our calculator covers SDLT rates applicable in England and Northern Ireland.
First-time buyers pay no stamp duty on properties up to £300,000 (as of April 2025). On properties between £300,001 and £500,000, you pay 5% on the amount above £300,000. Properties above £500,000 don't qualify for first-time buyer relief and standard rates apply in full.
Stamp duty must be paid within 14 days of completion — the day you receive the keys. Your solicitor or conveyancer handles the submission and payment on your behalf, but you need to ensure the funds are available and transferred to them before completion day.
If you already own a property and are buying an additional one — whether to live in or as an investment — you'll pay a 3% surcharge on top of standard rates. If you're replacing your main home and sell it on the same day, the surcharge may not apply, but timing is critical. An adviser or solicitor can help you navigate this.
Generally no — most lenders won't allow stamp duty to be added to your mortgage, meaning it must come from your own funds at completion. A small number of specialist lenders do allow this in certain circumstances. If this is a concern, speak to one of our advisers who can explore your options.
From calculating your full upfront costs to securing the best mortgage on the market, our fee-free advisers guide you through every step. FCA-regulated, whole-of-market advice — at no cost to you.
Talk to an Adviser — It's Free
Fee Free Mortgage Broker is a trading style of Alexander Southwell Mortgage Services Ltd, authorised and regulated by the Financial Conduct Authority (FCA) (FRN 1011890).
Registered in England & Wales (Company No. 11772228).
Registered office: Nix Business Centre, 2 Park Court, Abbey Park Industrial Estate, Romsey, Southampton, SO51 9DH. We are registered with the Information Commissioner’s Office, registration number ZA488146.© 2026 , Inc. All rights reserved.
Information on this website is for general guidance only and is accurate at the time of writing. It does not constitute personalised financial advice. Mortgage criteria and lender policies can change; please speak to an FCA-authorised adviser for up-to-date advice tailored to your circumstances. Some buy-to-let mortgages are not regulated by the FCA.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
© 2026 All rights reserved.