UK Stamp Duty Calculator
Calculate UK Stamp Duty Land Tax (SDLT) on property purchases with first-time buyer relief.
Calculate
Enter the full purchase price of the property
Relief available on properties up to £625,000
✅ First Time Buyer Eligibility
- • Never owned property anywhere in the world
- • Property must be £625,000 or less
- • Must be your main residence
📊 Quick Reference (2024/25)
Nil Rate Band
£250,000
FTB Threshold
£425,000
Additional Rate
+3%
Max Rate
12%
Ready to Calculate?
Enter your property price to see how much stamp duty you'll pay.
📖 What is Stamp Duty?
Stamp Duty Land Tax (SDLT) is a tax paid by home buyers in England and Northern Ireland when purchasing a property or land costing more than a set threshold. The amount you pay depends on the property price, whether you're a first-time buyer, and if you own other properties.
How Stamp Duty Works
Buy Property
Complete your purchase
Submit Return
File with HMRC
Pay Within 14 Days
Avoid penalties
📋 Standard Rates (2024/25)
| Property Band | Rate |
|---|---|
| Up to £250,000 | 0% |
| £250,001 - £925,000 | 5% |
| £925,001 - £1,500,000 | 10% |
| Above £1,500,000 | 12% |
🏠 First Time Buyer Rates
| Property Band | Rate |
|---|---|
| Up to £425,000 | 0% |
| £425,001 - £625,000 | 5% |
| Standard rates apply for properties over £625,000 | |
🏘️ Additional Property Surcharge
+3%
Added to all bands
Applies to:
- • Buy-to-let properties
- • Second homes
- • Additional residences
Exception:
Replacing main residence (sell old home within 3 years)
💡 Key Information
Payment Deadline
Must be paid within 14 days of completion
Usually Handled by Solicitor
Your conveyancer typically files and pays on your behalf
Scotland & Wales
Have their own property taxes (LBTT and LTT)
Refund Available
If you sell old home within 3 years of buying new one
Frequently Asked Questions
Who pays Stamp Duty?
Stamp Duty is paid by the buyer of the property, not the seller. It applies to both freehold and leasehold properties, as well as shared ownership schemes.
When do I pay Stamp Duty?
You must file an SDLT return and pay the tax within 14 days of completing the property purchase (usually the date you get the keys). Your solicitor will typically handle this for you.
How does First Time Buyer Relief work?
First-time buyers pay no SDLT on properties up to £425,000. For properties between £425,001 and £625,000, you pay 5% on the amount above £425,000. If the property price is over £625,000, you don't get any relief and pay standard rates on the full amount.
Can I add stamp duty to my mortgage?
Yes, some lenders allow you to add stamp duty to your mortgage, but this means paying interest on it for the life of the loan. It's usually better to pay upfront if possible.