Finance Atlas UK

Stamp Duty Calculator UK

Calculate Stamp Duty Land Tax (SDLT) on property purchases in England & Northern Ireland. Includes first-time buyer relief and additional-property surcharge.

£

First-time buyer relief applies on properties up to £500,000. Additional property adds a 3% surcharge (second homes, BTL).

Stamp Duty Due

£0

Effective rate: 0%

Rates verified: 2026/27 (HMRC SDLT rates)

England & Northern Ireland only. Scotland uses LBTT, Wales uses LTT.

Important: Educational estimate only. SDLT rules are complex — consult HMRC or a conveyancer for exact figures, especially for mixed-use properties, multiple dwellings, or non-UK residents.

Stamp Duty Land Tax (SDLT) Explained

Stamp Duty Land Tax (SDLT) is a tax paid by the buyer on property purchases in England and Northern Ireland. It's charged on the portion of the price that falls within each band — not on the full price. Scotland uses Land and Buildings Transaction Tax (LBTT) instead, and Wales uses Land Transaction Tax (LTT), both with different brackets. SDLT must be paid within 14 days of completion, and your conveyancer usually handles the payment and filing.

For 2026/27, the standard SDLT bands are: 0% up to £250,000, 5% from £250,001 to £925,000, 10% from £925,001 to £1,500,000, and 12% above £1,500,000. On a £350,000 property, you pay 0% on the first £250,000 and 5% on the remaining £100,000 — total SDLT of £5,000. Use the calculator above to see the exact breakdown for your purchase price and buyer type.

First-Time Buyer Relief

If you're a first-time buyer, you pay 0% SDLT on the first £300,000 and 5% on the portion from £300,001 to £500,000 — but only on properties up to £500,000. On a £350,000 first purchase, the SDLT is 0% on the first £300,000 and 5% on the remaining £50,000 — total £2,500, a saving of £2,500 compared to a standard buyer. If the property is over £500,000, first-time buyer relief doesn't apply and you pay standard SDLT. See our blog post on first-time buyer relief for the full details and eligibility rules.

Additional Property Surcharge

If you're buying an additional property — a second home, a buy-to-let, or a holiday home — you pay an extra 3% surcharge on top of the standard rates, on the full price from £0. On a £350,000 additional property, the SDLT is 3% on the first £250,000 (£7,500) + 8% on the next £100,000 (£8,000) = £15,500 — compared to £5,000 for a standard buyer. If you're replacing your main residence, you may be able to claim a refund of the surcharge if you sell your previous home within 3 years.

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Disclaimer: Finance Atlas is not regulated by the FCA. Estimates only, not financial advice. SDLT rules are complex — consult HMRC or a conveyancer for exact figures.