Calculator
How much stamp duty will you pay?
Including first-time buyer relief and the surcharge on second homes and buy-to-let.
Before you rely on this
This is an illustration, not advice or a mortgage offer. Figures are indicative, based on the assumptions shown, and any actual borrowing is subject to lender criteria and a full affordability assessment. Speak to an adviser for a recommendation based on your circumstances.
- England & Northern Ireland only. SDLT rates from 1 April 2025. Scotland (LBTT) and Wales (LTT) use different systems and are not covered.
- Rates as at 1 April 2025. Thresholds change at Budgets — check before you rely on this.
- First-time buyer relief does not apply above £500,000; standard rates are used instead.
- Higher rates for additional dwellings, 5% from 31 October 2024. It applies to the whole price, not just the amount above a threshold.
- Your solicitor calculates and files the actual return. Reliefs may apply that this does not model.
Want the real number?
An adviser can check this against live lender criteria and tell you what you could actually borrow — free, and with no obligation.