Stamp Duty Calculators

Stamp duty is a tax on property purchases in the UK. In England and Northern Ireland it is called Stamp Duty Land Tax (SDLT), in Scotland it is Land and Buildings Transaction Tax (LBTT), and in Wales it is Land Transaction Tax (LTT). You must file a return and pay the tax within 14 days of completing your property purchase.

Stamp duty in England and Northern Ireland is calculated on a progressive basis. You pay 0% on the first £125,000, 2% on the portion from £125,001 to £250,000, 5% from £250,001 to £925,000, 10% from £925,001 to £1,500,000, and 12% on any amount above £1,500,000. Scotland and Wales have their own rates and thresholds.

First-time buyers in England and Northern Ireland benefit from relief that means they pay 0% on the first £300,000 of a property priced up to £500,000, and 5% on the portion between £300,001 and £500,000. If the property exceeds £500,000, no relief is available and standard rates apply.

Since 31 October 2024, buyers purchasing an additional residential property such as a second home or buy-to-let pay a 5% surcharge on top of standard SDLT rates. The previous surcharge was 3%. This applies to the entire purchase price of properties over £40,000.

Yes. Scotland charges LBTT with a nil-rate threshold of £145,000 and an Additional Dwelling Supplement of 8%. Wales charges LTT with a nil-rate threshold of £225,000. Wales does not offer specific first-time buyer relief, though its higher nil-rate threshold benefits all buyers.

You can claim a refund in several situations: if you sell your previous main residence within 36 months of buying a replacement home and paid the additional property surcharge, if you overpaid due to a calculation error, if the transaction falls through after payment, or if you missed claiming first-time buyer relief.

If you do not file your SDLT return and pay within 14 days of completion, HMRC charges a £100 penalty if less than 3 months late and £200 if more than 3 months late. Interest is also charged on the unpaid tax from the filing deadline. There is no grace period.

Use the first-time buyer calculator if purchasing your first home, the regional calculators for Scotland or Wales purchases, the buy-to-let calculator for investment properties, or the cost planning tools for a full budget breakdown including legal fees and surveys. The standard SDLT calculator covers most England and Northern Ireland purchases.