Stamp Duty Scenarios
Find out exactly how much stamp duty you'll pay based on your property price or buyer situation.
Quick Tip: First-time buyers pay no stamp duty up to £300,000 in England.
Stamp Duty by Property Price
How much stamp duty at every major price point from £250,000 to £2,000,000. Direct answers for first-time buyers, standard buyers, and additional property purchases with full band-by-band breakdowns.
View all 20 price breakdownsAnnexe, land or an old home not sold yet?
These are the purchases where a standard calculator can get your stamp duty wrong. Get it checked before you exchange.
Stamp Duty by Buyer Situation
Real-world scenarios with step-by-step calculations. Find the situation that matches yours.
Standard Purchases
Joint Purchase: One FTB
Mixed FTB status, relief lost
StandardSelling Home, Buying New
Standard mover, no surcharge
SurchargeKeeping Old Home
5% surcharge + 36-month refund
BTLFirst Buy-to-Let
Higher rates on investment purchase
OverseasOwn Property Abroad
Overseas ownership + surcharge impact
DivorcePost-Divorce Purchase
FTB status lost, standard rates
Frequently Asked Questions
Direct answers to the questions buyers ask most often about stamp duty at a given price.
How much stamp duty will I pay on a £300,000 property?
For a £300,000 property in England, first-time buyers pay £0 (exempt up to £300,000), standard buyers pay £5,000, and additional property buyers pay £20,000 (including the 5% surcharge).
Do first-time buyers pay stamp duty?
First-time buyers in England and Northern Ireland pay no stamp duty on properties up to £300,000. Between £300,001 and £500,000, they pay 5% only on the amount above £300,000. Above £500,000, normal rates apply.
What is the stamp duty on a £500,000 house?
On a £500,000 property, first-time buyers pay £10,000 (5% on £200,000), standard buyers pay £15,000, and additional property buyers pay £40,000 including the 5% surcharge.
How is stamp duty calculated?
Stamp duty is calculated using tiered rates. You pay different percentages on different portions of the property price, similar to income tax bands. The rates from April 2025 are: 0% up to £125,000, 2% on £125,001-£250,000, 5% on £250,001-£925,000, 10% on £925,001-£1.5m, and 12% above £1.5m.
Need a Custom Calculation?
Use our free calculator to get an instant stamp duty estimate for any property price.
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