How to save for a House Deposit
Find out effective strategies to help you save for a house deposit faster
UK Stamp Duty Calculator
Use our UK Stamp Duty Calculator to estimate your Stamp Duty Land Tax (SDLT) liability in seconds. Whether you’re a first-time buyer, purchasing a second home, or investing in a buy-to-let property, our tool is updated with the latest 2023/24 stamp duty rates and thresholds. Simply enter your property price, location, and buyer status to get an accurate breakdown of costs.
Stamp Duty Calculator
UK Stamp Duty Calculator
Other Duty Calculators
SDLT Calculator
Instantly calculate UK Stamp Duty Land Tax (SDLT) for residential, buy-to-let, or second homes using updated 2023/24 HMRC rates. Accurate, region-specific results with reliefs and surcharges included—no sign-up required.
LBTT Calculator
Calculate Scotland’s Land and Buildings Transaction Tax (LBTT) instantly. Includes 2023/24 rates, Additional Dwelling Supplement (6%), and first-time buyer relief—no sign-up needed."
LTT Calculator
Calculate Wales’ Land Transaction Tax (LTT) instantly with 2023/24 rates. Includes main residences, second homes (6% surcharge), and reliefs—no sign-up required.
What is Stamp Duty Land Tax (SDLT)?
Stamp Duty Land Tax is a tax paid by property buyers in England and Northern Ireland. Scotland and Wales have their own systems: Land and Buildings Transaction Tax (LBTT) and Land Transaction Tax (LTT). Rates vary based on property value, buyer type, and whether it’s your main residence or an additional property.
How Does the UK Stamp Duty Calculator Work?
Our calculator factors in:
Property price (residential and non-residential rates).
Buyer status (first-time buyer, second home, or buy-to-let).
Regional variations (England/NI vs Scotland vs Wales).
Reliefs and exemptions (e.g., first-time buyer relief, mixed-use properties).
Get a clear, step-by-step breakdown of SDLT costs, including surcharges for additional properties.
Latest Stamp Duty Changes (2023/24)
Stay informed about recent updates:
Temporary thresholds: Reduced rates introduced in 2022 remain in place.
First-time buyer relief: No SDLT on properties up to £425,000 (up to £625,000).
Second home surcharge: 3% additional duty for buy-to-let or holiday homes.
Stamp Duty Rates 2025:
While 2025 Stamp Duty Land Tax (SDLT) rates have not yet been officially confirmed by HMRC, this page outlines potential changes based on current economic trends, government consultations, and housing market forecasts. Property buyers, investors, and advisors can use this resource to:
Anticipate adjustments to SDLT thresholds (e.g., rising property prices impacting tax brackets).
Prepare for policy shifts (e.g., reforms to first-time buyer relief or buy-to-let surcharges).
Compare 2025 projections with 2023/24 rates for informed financial planning.
Key Considerations for 2025
Inflation-linked thresholds: Will the £250,000–£925,000 bracket expand to reflect rising home values?
First-time buyer support: Potential extension of the £425,000 relief threshold beyond April 2025.
Green incentives: Rumored SDLT discounts for energy-efficient homes.
Additional properties: Will the 3% surcharge rise for landlords or second-home buyers?
Disclaimer
These projections are speculative and not legal advice. Always verify rates with HMRC or a tax professional before transactions in 2025.
| Property Price Band | Standard Rate (Main Residence) | Additional Property Rate* |
|---|---|---|
| Up to £250,000 | 0% | 3% |
| £250,001 – £925,000 | 5% | 8% |
| £925,001 – £1,500,000 | 10% | 13% |
| Above £1,500,000 | 12% | 15% |
*Additional properties (buy-to-let/second homes) incur a 3% surcharge.
Latest Blog Posts
Tips for First-Time Home Buyers
Discover essential advice and tips for navigating the home buying process as a first-time buyer
Understanding the stam duty rate
Learn about the different stamp duty rateees and how they apply to your property
Why Us
Instant results: No sign-up required.
Accurate calculations: Reflects HMRC rules and regional variations.
Save money: Identify exemptions or reliefs to reduce your tax bill.
FAQS
How is stamp duty calculated in the UK?
Stamp duty is calculated on a tiered basis. For example:
0% on the first £250,000 (main residence).
5% on £250,001–£925,000.
10% on £925,001–£1.5 million.
12% above £1.5 million.
Rates differ for second homes, first-time buyers, and commercial properties.
Do first-time buyers pay stamp duty?
Yes, but with relief: First-time buyers pay 0% on properties up to £425,000 (vs £250,000 for others). Between £425,001–£625,000, you’ll pay 5% only on the portion above £425,000.
What’s the deadline for paying stamp duty?
You must pay SDLT within 14 days of completing your property purchase in England or Northern Ireland. Scotland and Wales have similar deadlines for LBTT and LTT.
Is stamp duty higher for buy-to-let properties?
Yes. Buy-to-let or second homes incur a 3% surcharge on top of standard rates. Use our SDLT calculator for buy-to-let to estimate costs.
Are there stamp duty exemptions?
Exemptions apply for:
Properties under £40,000.
Transfers in divorce or separation.
Certain types of shared ownership.