Stamp Duty UK

UK Stamp Duty Calculator

Calculate how much Stamp Duty Land Tax (SDLT) you'll pay on your property purchase in England or Northern Ireland. Updated with the latest 2025/26 rates.

Updated for 2025/26 HMRC rates

How Much Can I Borrow?

Estimate your maximum mortgage borrowing based on your income. Most lenders offer up to 4.5 times your combined annual income.

£
£
£

Current UK Stamp Duty Rates (2025/26)

Standard Rate

  • 0% up to £250,000
  • 5% on £250,001 – £925,000
  • 10% on £925,001 – £1,500,000
  • 12% above £1,500,000

First-Time Buyers

  • 0% up to £425,000
  • 5% on £425,001 – £625,000
  • Only on properties up to £625,000

Additional Properties

  • 5% up to £250,000
  • 10% on £250,001 – £925,000
  • 15% on £925,001 – £1,500,000
  • 17% above £1,500,000

Stamp Duty by Property Price

Browse stamp duty calculations for common property prices across the UK.

£50,000£100,000£150,000£200,000£250,000£300,000£350,000£400,000£450,000£500,000£550,000£600,000£650,000£700,000£800,000£900,000£1,000,000£1,200,000£1,400,000£1,750,000£2,500,000£4,000,000

Stamp Duty by City

Find stamp duty estimates based on average property prices in UK cities.

LondonGreater LondonManchesterNorth WestBirminghamWest MidlandsLeedsYorkshireLiverpoolNorth WestBristolSouth WestSheffieldYorkshireNewcastleNorth EastNottinghamEast MidlandsLeicesterEast MidlandsCoventryWest MidlandsCardiffWalesEdinburghScotlandGlasgowScotlandBathSouth WestOxfordSouth EastCambridgeEast of EnglandBrightonSouth EastReadingSouth EastSouthamptonSouth EastPortsmouthSouth EastYorkYorkshireExeterSouth WestNorwichEast of EnglandPlymouthSouth WestDerbyEast MidlandsWolverhamptonWest MidlandsAberdeenScotlandSwanseaWalesMilton KeynesSouth EastSunderlandNorth EastBournemouthSouth WestLutonEast of EnglandStoke-on-TrentWest MidlandsCheltenhamSouth WestGuildfordSouth EastChesterNorth WestWinchesterSouth EastSt AlbansEast of EnglandHarrogateYorkshire

Frequently Asked Questions

What is Stamp Duty Land Tax (SDLT)?▼

Stamp Duty Land Tax is a tax you pay when buying property or land in England and Northern Ireland over a certain price. The amount depends on the purchase price, whether it's your first home, and whether you already own property.

Do first-time buyers pay stamp duty?▼

First-time buyers benefit from stamp duty relief. You pay no stamp duty on the first £425,000 of a property priced up to £625,000, and 5% on the portion between £425,001 and £625,000. If the property costs more than £625,000, standard rates apply.

What is the additional property surcharge?▼

If you're buying an additional property (such as a second home or buy-to-let), you pay a 5% surcharge on top of the standard stamp duty rates. This applies to the entire purchase price.

When do I pay stamp duty?▼

You must pay SDLT within 14 days of completing your property purchase. Your solicitor or conveyancer usually handles the payment and filing of the SDLT return on your behalf.