UK Stamp Duty Calculator
Stamp Duty Land Tax (SDLT) on UK residential property — tiered bands for the standard rate, first-time buyer relief up to £625,000, and the 5% additional-property surcharge for second homes and buy-to-let. Enter your purchase price, pick the buyer type, and see the band-by-band breakdown plus your effective tax rate.
How SDLT bands work
SDLT is calculated on portions of the price, not the whole amount. A £400,000 first home (standard rate) pays 0% on the first £250,000 + 5% on the next £150,000 = £7,500 SDLT, an effective rate of 1.88%. Same property as a second home would pay an extra 5% surcharge on every band: 5% × £250k + 10% × £150k = £27,500, effective 6.88%.
2024/25 rates table
- Standard (your main home)
- 0% up to £250k · 5% £250k-£925k · 10% £925k-£1.5M · 12% above £1.5M.
- First-time buyer (≤ £625k)
- 0% up to £425k · 5% £425k-£625k.
- Additional property
- Standard rates + 5% on every band.
Frequently asked questions
- When do I pay SDLT?
- Within 14 days of completion. Your conveyancer normally handles the SDLT return and payment.
- Are mixed-use properties different?
- Yes — mixed-use (commercial + residential) uses lower non-residential bands.