Stamp Duty Calculator
Check how much Stamp Duty Land Tax (SDLT) you'll pay when buying residential property in England or Northern Ireland. This calculator includes 2025/26 rules for first-time buyers, second homes, and non-UK residents.
What Is Stamp Duty?
Stamp Duty Land Tax (SDLT) is a tax you pay when buying property or land in England or Northern Ireland. How much you owe depends on the purchase price, your buyer status (e.g. first-time buyer or landlord), and whether you're a UK resident.
How This Calculator Works
- Automatically applies first-time buyer relief on properties up to £500,000
- Supports additional property surcharge (+3%) for second homes or buy-to-let
- Includes 2% surcharge for non-UK residents
- Breaks down the tax bands applied to your property price
Frequently Asked Questions
Do first-time buyers pay stamp duty?
Not on properties up to £300,000. If your first home costs £300,001–£500,000, you’ll only pay 5% on the portion above £300,000. Over £500,000, normal rates apply.
What if I already own a property?
You’ll usually pay an additional 3% on top of standard rates if you're buying a second home, buy-to-let, or holiday property.
Do non-UK residents pay more stamp duty?
Yes. If you're not a UK resident (e.g. you’ve spent fewer than 183 days in the UK in the past 12 months), you'll pay a 2% surcharge on top of other rates.
What about properties in Scotland or Wales?
This calculator is for properties in England and Northern Ireland. Scotland uses LBTT and Wales uses LTT — each with separate bands and rules.
Next Steps
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