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UKAbout these rates: This calculator uses Stamp Duty Land Tax (SDLT) bands for residential property in England and Northern Ireland, as published by GOV.UK (in effect since 1 April 2025). Scotland charges Land and Buildings Transaction Tax (LBTT) and Wales charges Land Transaction Tax (LTT) — different rates apply there. This is an estimate only and not tax advice; your solicitor or conveyancer will confirm the exact amount on completion.
Stamp Duty Calculator
Buying in England or Northern Ireland? Calculate Stamp Duty Land Tax with 2027 rates — first-time buyer relief included. Free UK calculator.
How to Use This Calculator
- Property Price: Enter the full purchase price of the property in GBP (£).
- Buyer Type: Choose first-time buyer, moving home, or buy-to-let / second home — different SDLT rates apply to each.
- Results: See your total Stamp Duty instantly, plus the effective tax rate and a full band-by-band breakdown.
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Disclaimer: This calculator provides an estimate only and is not financial advice. Always check the representative APR and consult an FCA-regulated adviser before borrowing.
Frequently Asked Questions
How much is stamp duty on £300,000 in the UK?
On a £300,000 residential purchase in England or Northern Ireland, a standard home mover pays £5,000 in Stamp Duty Land Tax (£0 on the first £125,000, 2% on the next £125,000, and 5% on the final £50,000). A first-time buyer pays £0, while a buy-to-let or second-home buyer pays £20,000 including the 5% surcharge.
Do first-time buyers pay stamp duty in 2027?
First-time buyers in England and Northern Ireland pay 0% stamp duty on the first £300,000 and 5% on the portion between £300,001 and £500,000. If the property costs more than £500,000, first-time buyer relief does not apply at all and standard rates are charged on the full price.
What is the stamp duty surcharge on second homes and buy-to-let?
Buyers of additional residential properties — including buy-to-let investments and second homes — pay a 5% surcharge on top of each standard SDLT band. That means 5% on the first £125,000, 7% up to £250,000, 10% up to £925,000, 15% up to £1.5 million, and 17% above that.
Do I pay stamp duty in Scotland or Wales?
No. Stamp Duty Land Tax applies only in England and Northern Ireland. Scotland charges Land and Buildings Transaction Tax (LBTT) and Wales charges Land Transaction Tax (LTT), each with its own bands and thresholds. This calculator covers England and Northern Ireland only.
When and how do I pay stamp duty?
Stamp Duty Land Tax must be paid within 14 days of completion. In practice, your solicitor or conveyancer submits the SDLT return to HMRC and pays the tax on your behalf as part of the completion process, so you rarely handle the payment directly.