Buy-to-Let Stamp Duty Calculator
Calculate stamp duty on buy-to-let investments including the 5% additional property surcharge. Updated for January 2026.
Property Details
Enter the full purchase price of the property
Interesting Facts
- Buy-to-let purchases include a 5% additional property surcharge.
- Surcharge applies even if the property is a first rental purchase.
Disclaimer: This tool does not constitute financial advice. We do not recommend taking actions based solely on these results. The calculator makes assumptions and results may be inaccurate due to changes in government policy, interest rates, or personal circumstances. You use this information at your own risk. We can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. For official guidance, visit Gov UK.
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Buy-to-Let Stamp Duty Explained
What is BTL SDLT?
Buy-to-let properties are subject to the same 5% surcharge as second homes, as they are classed as additional residential properties.
Investment Impact
The 5% surcharge significantly affects your initial investment. Factor this cost into your yield calculations and cash flow projections.
First BTL Property
The surcharge applies even if this is your first buy-to-let, as long as you already own your main residence.
Buy-to-Let Stamp Duty Examples
| Property Price | Total SDLT | Effective Rate |
|---|---|---|
| £150,000 | £12,000 | 8.0% |
| £250,000 | £21,000 | 8.4% |
| £400,000 | £35,000 | 8.75% |
| £600,000 | £53,000 | 8.83% |
Effective rate = Total SDLT ÷ Property Price
Special Considerations for Landlords
Company Purchases
If you're buying through a limited company, the same 5% surcharge applies. Properties over £500,000 purchased by companies may also attract the 17% rate in some circumstances.
Non-UK Residents
If you're not a UK resident, you'll pay an additional 2% surcharge on top of the 5% additional property rate, making the total surcharge 7%.
Multiple Property Purchases
Buying 6 or more residential properties in a single transaction may qualify for non-residential rates, which could reduce your overall tax bill.
Tax Deductibility
Stamp duty paid on a buy-to-let property is added to your acquisition costs, reducing your capital gains tax liability when you eventually sell.
No Refund Available for BTL
Unlike second home purchases where you're replacing your main residence, there is no refund mechanism for buy-to-let purchases. The 5% surcharge is a permanent additional cost of investing in rental property.
Emma Richardson, MRICS
Chartered Surveyor & Property Tax Specialist
Emma Richardson is a RICS-qualified Chartered Surveyor with over 12 years of experience in UK property taxation. She founded Stamp Duty Calculator to help buyers understand the complex world of property transaction taxes.