Stamp Duty Calculator

Stamp Duty Land Tax (SDLT) is a tax you pay when buying property or land in England and Northern Ireland. The amount you owe depends on the property's price, whether you’re a first-time buyer, and whether the property is an additional home or buy-to-let.

Stamp Duty is charged in bands, meaning different portions of the property price are taxed at different rates. For example, first-time buyers pay 0% on the first £425,000, while buy-to-let purchases have an additional surcharge. Our calculator automatically applies the correct rates based on your property type.

First-time buyers pay 0% Stamp Duty on properties up to £425,000. If the property is between £425,001 and £625,000, the portion above £425,000 is taxed at 5%. If the property exceeds £625,000, standard rates apply, and first-time buyer relief does not apply.

If you are buying a second home or a buy-to-let property, you will pay an additional 5% surcharge on top of standard Stamp Duty rates. Our calculator factors this in automatically.

Stamp Duty must be paid within 14 days of completing your property purchase. If you fail to pay on time, HMRC may charge penalties and interest. Your solicitor or conveyancer usually handles this payment on your behalf.

If you replace your main home, you will not have to pay the second home surcharge, even if you temporarily own two properties. However, if you don’t sell your previous home immediately, you may need to pay the higher rate upfront and apply for a refund later.