Stamp Duty Calculator (SDLT)

You will have to pay Stamp Duty within 14 days of completing the purchase. Most solicitors will help you with the paperwork for paying Stamp Duty.

You have to pay Stamp Duty when you purchase a property or a plot of land in England or Northern Ireland. It’s officially known as Stamp Duty Land Tax (SDLT). You don’t pay Stamp Duty when you purchase a main residence up to £125,000.

Essentially, when buying a home that costs more than the 0% Stamp Duty threshold, you’ll have to pay Stamp Duty.

First time buyers are exempt from Stamp Duty on the first £300,000 of a property bought for up to £500,000. If the property purchase price exceeds £500,000, then the first-time buyer won’t qualify for Stamp Duty relief and will pay at the standard rates.

You have to pay additional Stamp Duty if you’re buying a second home or buy-to-let property. 

Our Stamp Duty calculator (UK) above will quickly and easily show you if you have to pay Stamp Duty and how much.

You can use our tool to quickly calculate Stamp Duty on any property you’re thinking of buying. Our Stamp Duty guide will also show you the different rates for different types of buyers.

These are the standard Stamp Duty rates in England from 1 April 2025.

• You pay no SDLT on the first £125,000
• You pay SDLT at 5% on the next £125,000 (the portion between £125,000 and £250,000)
• You pay SDLT at 5% on the next 675,000 (the portion between £250,000 and £925,000)
• You pay SDLT at 10% on the next £575,000 (the portion between £925,000 and £1,500,000)
• You pay SDLT at 12% on anything above £1,500,000

First time buyers pay less Stamp Duty in order to make it easier for them to enter the property market.

First time buyers pay no Stamp Duty on main residences valued at up to £300,000. If a first-time buyer purchases a property for above £300,000 and up to £500,000, a Stamp Duty rate of 5% will be applied only on the amount over £300,000. If the property is purchased for over £500,000, the first-time buyer will have to pay Stamp Duty at the standard rates and will receive no first-time buyer relief.

If you’re buying an investment property or a buy-to-let property as a first-time buyer, you’ll have to pay standard Stamp Duty rates. To qualify for the Stamp Duty reduction, everyone purchasing the property must be a first-time buyer.

Our Stamp Duty calculator will easily show you how much your Stamp Duty will be on a residential property. Unless you’re a first-time buyer, you’ll likely be paying the standard rates.

In the calculator, select whether you’re a first-time buyer or not. You’ll also pay additional Stamp Duty if you’re buying a second home or holiday home. These additional residential properties usually have an extra 5% added to the standard Stamp Duty due.

Buy to let properties also have higher Stamp Duty fees due compared to buying a main residential property. On top of the standard Stamp Duty amount, you’ll usually have to pay an additional 5%, just like you would with a second home.

Stamp Duty is calculated based on the value of the property and your status as a buyer. The Stamp Duty rate you pay will depend on whether you’re buying your main property or not, as well as whether you’re a first-time buyer. Calculating Stamp Duty can be difficult, so use our calculator to easily work out how much Stamp Duty you’ll need to consider with your purchase.

You can’t add Stamp Duty to your mortgage amount.

Stamp Duty is often an unwelcome addition to the costs of buying a property for many people. You should make sure that you have saved up enough to cover this and other additional costs, such as conveyancer and solicitors fees, brokerage fees and the actual costs of moving to your new home.

If you’re unsure what costs are involved with buying a property, or if you’re looking for a lower interest rate to make purchasing a property more affordable, you can get in touch and get help from one of our expert mortgage brokers.