Residential Stamp Duty Calculator
Estimate the SDLT payable on a UK home purchase in England or Northern Ireland.
A £350,000 UK home purchased by a moving home buyer attracts £7,500 in Stamp Duty Land Tax (2.14% effective rate).
Band breakdown
- £0–£125,000 · 0%£0
- £125,000–£250,000 · 2%£2,500
- £250,000–£925,000 · 5%£5,000
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0–£125,000 | 0% | £125,000 | £0 |
| £125,000–£250,000 | 2% | £125,000 | £2,500 |
| £250,000–£925,000 | 5% | £100,000 | £5,000 |
Bands updated 2026-04-15.
Compare buyer types
Same property price, different buyer profile. What you'd pay as each.
How SDLT is calculated
SDLT is a slab-and-band tax. You pay the rate that applies to the slice of price within each band — not the headline rate on the whole price.
Standard bands (April 2025)
First-time buyer relief
If the price exceeds £500,000, relief is withdrawn entirely and standard bands apply to the full price.
Frequently asked questions
Does this calculator cover Scotland or Wales?
No. Scotland uses Land and Buildings Transaction Tax (LBTT) and Wales uses Land Transaction Tax (LTT) — both have different bands. Use the LBTT or LTT calculators on the Stamp Duty hub.
Can I add Stamp Duty to my mortgage?
No — UK lenders won't fund SDLT because it doesn't add to the property's value. You pay it in cash at completion, alongside your deposit and conveyancing fees.
Do first-time buyers pay stamp duty in 2026?
First-time buyers pay 0% SDLT on the first £300,000 and 5% from £300,001 to £500,000. Above £500,000 relief is withdrawn and standard bands apply to the full price.
What is the stamp duty surcharge on a second home or buy-to-let?
Additional residential property purchases in England or Northern Ireland attract a +5% surcharge on every band (effective 31 October 2024). Non-UK residents pay a further +2% on top.
When do I pay stamp duty?
SDLT must be paid to HMRC within 14 days of completion. Your conveyancer normally files the SDLT return and pays from completion funds.
Reviewed by the Mortgage118 editorial team. Bands and surcharges reflect HMRC rules effective April 2025. This calculator provides an estimate only and does not constitute tax advice.