Stamp Duty Calculator 2026
Calculate Stamp Duty Land Tax (SDLT) for property purchases in England and Northern Ireland. Updated for current rates.
Property Details
Stamp Duty to Pay
£7,500
Effective rate: 2.14%
Breakdown
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First-Time Buyers
Properties up to £625,000
| £0 - £425,000 | 0% |
| £425,001 - £625,000 | 5% |
| Over £625,000 | Standard rates |
Standard Rates
Moving home or not FTB eligible
| £0 - £250,000 | 0% |
| £250,001 - £925,000 | 5% |
| £925,001 - £1.5m | 10% |
| Over £1.5m | 12% |
Second Home / BTL
+5% surcharge on all bands
| £0 - £250,000 | 5% |
| £250,001 - £925,000 | 10% |
| £925,001 - £1.5m | 15% |
| Over £1.5m | 17% |
Note: These rates apply to residential properties in England and Northern Ireland. Scotland and Wales have separate systems (LBTT and LTT respectively). Rates correct as of January 2026.
Stamp Duty FAQs
When do I pay stamp duty?
SDLT must be paid within 14 days of completion. Your solicitor usually handles this as part of the conveyancing process.
Do first-time buyers pay stamp duty?
First-time buyers pay no SDLT on properties up to £425,000. Between £425,001 and £625,000, they pay 5% only on the amount above £425,000. Properties over £625,000 don't qualify for first-time buyer relief.
What counts as an additional property?
You pay the 5% surcharge if you'll own more than one property after the purchase and it's worth £40,000 or more. This includes buy-to-let investments and second homes.
Can I reclaim the additional rate if I sell my old home?
Yes, if you sell your previous main residence within 3 years of buying the new one, you can apply for a refund of the 5% surcharge.