First Time Buyer Stamp Duty Calculator
Calculate your stamp duty savings with first-time buyer relief. Updated for January 2026 with the latest thresholds.
Property Details
Enter the full purchase price of the property
Interesting Facts
- 0% on the first £300,000, then 5% up to £500,000.
- Relief is lost if the price exceeds £500,000.
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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Enter Property Details
Input a property price to see your stamp duty calculation
What is First-Time Buyer Relief?
First-time buyer relief is a stamp duty discount available to people buying their first home. Since April 2025, first-time buyers pay:
- 0% on the first £300,000 of the property price
- 5% on the portion between £300,001 and £500,000
If the property costs more than £500,000, you cannot claim first-time buyer relief and must pay standard rates on the entire purchase price.
Do You Qualify for FTB Relief?
You ARE eligible if:
- You have never owned a property anywhere in the world
- The property will be your main residence
- Property price is £500,000 or less
- You are buying as an individual (not a company)
You are NOT eligible if:
- You have previously owned property (even if inherited)
- Buying a buy-to-let or second home
- Property price exceeds £500,000
- Buying jointly with someone who has owned property
How Much Could You Save?
| Property Price | Standard Rate | FTB Rate | You Save |
|---|---|---|---|
| £250,000 | £2,500 | £0 | £2,500 |
| £300,000 | £5,000 | £0 | £5,000 |
| £400,000 | £10,000 | £5,000 | £5,000 |
| £500,000 | £15,000 | £10,000 | £5,000 |
Buying With a Partner?
If you're buying with someone else, the rules for first-time buyer relief depend on both buyers' history:
- Both first-time buyers: You qualify for the full relief
- One has owned before: Neither of you qualifies - you must pay standard rates
This applies to joint purchases, marriages, and civil partnerships where you buy together.
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.