UK Stamp Duty Calculator 2025
Calculate your Stamp Duty Land Tax (SDLT) accurately with our free calculator. Updated for 2025 rates including first-time buyer relief and additional property surcharge.
Property Details
Enter your property information to calculate Stamp Duty
2025 Stamp Duty Rates (England & Northern Ireland)
| Property Value | Standard Rate | Additional Property |
|---|---|---|
| Up to £250,000 | 0% | 3% |
| £250,001 - £925,000 | 5% | 8% |
| £925,001 - £1,500,000 | 10% | 13% |
| Over £1,500,000 | 12% | 15% |
First-Time Buyer Relief
- Properties up to £425,000: No stamp duty for first-time buyers
- Properties £425,001 - £625,000: 5% on amount above £425,000
- Properties over £625,000: No relief available
- Shared ownership: Relief available on properties up to £500,000
Eligibility Requirements
- You must be a first-time buyer
- Property must be your main residence
- You cannot own property anywhere in the world
- Property value must not exceed £625,000
Frequently Asked Questions
Common questions about UK Stamp Duty Land Tax
Who qualifies as a first-time buyer?
To qualify for first-time buyer stamp duty relief, you must never have owned a freehold or leasehold interest in a residential property in the UK or anywhere else in the world. This applies whether you owned the property alone or jointly with someone else. The property must also be your main residence and cost no more than £625,000.
What is the additional property surcharge?
The additional property surcharge is an extra 3% stamp duty on top of standard rates for buy-to-let properties, second homes, and additional residential properties. This applies to the entire property value, not just the portion above certain thresholds. You may be able to claim a refund if you sell your previous main residence within 36 months.
How does stamp duty work on shared ownership?
With shared ownership, you can choose to pay stamp duty either on the share you're buying or on the full market value. Paying on the share is usually cheaper initially. First-time buyers can get relief on shared ownership properties up to £500,000 (rather than £425,000 for regular purchases). If you later buy additional shares, you may pay more stamp duty.
Are there different rates in Scotland and Wales?
Yes, Scotland has Land and Buildings Transaction Tax (LBTT) and Wales has Land Transaction Tax (LTT), both with different rates and thresholds from English stamp duty. Scotland's rates are generally higher, while Wales has similar rates but different thresholds. Our calculator includes these regional variations when you select your location.
When do I need to pay stamp duty?
Stamp duty must be paid and returned to HMRC within 14 days of completion (when you legally own the property). Your solicitor or conveyancer typically handles this payment on your behalf and includes it in their completion statement. Late payment incurs interest charges and potential penalties, so ensure you have the funds available at completion.