Stamp duty is one of the biggest upfront costs of buying — and, unlike your deposit, it's money you never get back. Here's exactly what you'll owe, where first-time buyer relief kicks in, and a warning most people don't get about the £500,000 cliff edge.
🔑 Free · England & Northern Ireland (SDLT) · built by a UK chartered surveyor (MRICS)
Your purchase
For relief, everyone buying must be a first-time buyer — including any property owned overseas counts.
Additional properties pay a 5% surcharge on every band.
Buying in Scotland or Wales? They don't use stamp duty — Scotland has LBTT and Wales has LTT, with different rates. This tool covers England & Northern Ireland only.
Stamp duty to pay
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Enter a price to see your bill.
✓ Rates verified against HMRC / GOV.UK — in force from 1 April 2025
Your first-time buyer relief
Heads up
Budget for it early. Stamp duty is due within 14 days of completion and can't be added to most mortgages — you need it in cash on top of your deposit. Fold it into the full picture with the True Cost of Moving tool.
Save your stamp duty figure
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Built by a UK chartered surveyor (MRICS). Free, and only ever on the buyer's side.
England & Northern Ireland SDLT, rates in force from 1 April 2025 (checked 2026). This is a general estimate, not tax advice — your solicitor calculates and files the exact figure. Rules can change at Budgets; always confirm before you commit. A 2% non-UK-resident surcharge may also apply if you're not UK-resident.