UK Stamp Duty Calculator (SDLT)
Estimate the Stamp Duty Land Tax (SDLT) payable when buying a residential or additional property for the 2025/26 tax year.
Estimates only — based on UK Government 2025/26 SDLT thresholds.
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| Band | Rate | Tax (£) |
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Stamp Duty Rates 2025
Standard Residential Property Rates
| Price Band | SDLT Rate |
|---|---|
| £0 – £250,000 | 0% |
| £250,001 – £925,000 | 5% |
| £925,001 – £1.5 million | 10% |
| Above £1.5 million | 12% |
First-Time Buyers Relief
| £0 – £425,000 | 0% for first-time buyers |
|---|---|
| £425,001 – £625,000 | 5% (only on amount above £425k) |
Additional Property (Second Homes / Buy-To-Let)
| All SDLT bands | +3% surcharge |
|---|
SDLT applies to England and Northern Ireland. Scotland and Wales use different systems.
How Stamp Duty (SDLT) Works
Stamp Duty Land Tax is paid when you purchase a residential property in England or Northern Ireland. The amount depends on the property price and whether you qualify for reliefs or surcharges.
- Standard rates apply to most home purchases.
- First-time buyers receive zero tax up to £425,000.
- Second homes & buy-to-let add a 3% surcharge.
- SDLT is tiered — each band is taxed separately.
- Payable within 14 days of property completion.
This calculator applies all SDLT rules automatically based on your property details.
Stamp Duty Examples
- £0 on first £250,000
- 5% on £50,000 = £2,500
- Total SDLT: £2,500
- £0 on first £425,000
- 5% on £25,000 = £1,250
- Total SDLT: £1,250
- Basic SDLT: £17,500
- +3% surcharge: £16,500
- Total SDLT: £34,000
Frequently Asked Questions
This UK Stamp Duty Calculator uses official HMRC SDLT rates for 2025–26, including standard residential bands, first-time buyer relief and second home surcharges.