ganak.appStamp Duty Calculator UK
Calculate stamp duty on UK residential property purchases. Covers Stamp Duty Land Tax (SDLT) for England and Northern Ireland, LBTT for Scotland, and LTT for Wales. Updated for April 2025 rate changes with first-time buyer relief, additional property surcharge (+5%), and non-UK resident surcharge (+2%). See band-by-band breakdown, effective rate, and region comparison.
+2% surcharge on all bands
Tax Band Breakdown
How your stamp duty is calculated across each band
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £125,000 | 0% | £125,000 | £0 |
| £125,000 – £250,000 | 2% | £125,000 | £2,500 |
| £250,000 – £350,000 | 5% | £100,000 | £5,000 |
| Total | £7,500 | ||
Buyer Type Comparison
How much you would pay as each buyer type in England
How Stamp Duty Works in the UK
Understanding property transfer tax across England, Scotland, Wales, and Northern Ireland
UK stamp duty works like income tax — you only pay each rate on the portion of the property price within that band. The first portion is tax-free, then progressively higher rates apply.
£0–£125K at 0% + £125K–£250K at 2% + £250K–£350K at 5%England and Northern Ireland use SDLT (Stamp Duty Land Tax). Scotland uses LBTT (Land and Buildings Transaction Tax). Wales uses LTT (Land Transaction Tax). Each has its own rates and thresholds.
SDLT Rates from April 2025
England & Northern Ireland residential property rates
| Band | Standard | First-Time | Additional |
|---|---|---|---|
| Up to £125,000 | 0% | 0% | 5% |
| £125,001 – £250,000 | 2% | 0% | 7% |
| £250,001 – £300,000 | 5% | 0% | 10% |
| £300,001 – £500,000 | 5% | 5% | 10% |
| £500,001 – £925,000 | 5% | N/A* | 10% |
| £925,001 – £1,500,000 | 10% | N/A* | 15% |
| Over £1,500,000 | 12% | N/A* | 17% |
*First-time buyer relief only available on properties up to £500,000. Standard rates apply above this threshold.
First-Time Buyer Relief
Reduced rates and exemptions for first-time home buyers
No SDLT on first £300,000. 5% on £300,001–£500,000. Properties over £500,000 pay standard rates.
LBTT nil rate band raised from £145,000 to £175,000, saving up to £600. No upper price limit.
No first-time buyer relief available. All buyers pay the same LTT rates regardless of purchase history.
Same relief as England. No SDLT on first £300,000. 5% on £300,001–£500,000. Standard rates above £500,000.
Common Stamp Duty Mistakes
Avoid these costly errors when budgeting for stamp duty
SDLT nil rate band dropped from £250,000 to £125,000 in April 2025. First-time buyer relief also reduced. Budget based on current rates, not older thresholds.
Buying a second home or buy-to-let? An extra 5% applies on ALL bands in England & NI. In Scotland, ADS is 8% of the full price. This can add tens of thousands to your bill.
SDLT must be filed and paid within 14 days of completion. Late filing triggers automatic penalties and interest. Your solicitor usually handles this, but the buyer is legally responsible.
In England & NI, if the property costs more than £500,000, first-time buyer relief is lost entirely and you pay full standard rates — not just on the amount above £500K.
Frequently Asked Questions
Common questions about UK stamp duty
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