Stamp Duty Land Tax Guide & Calculator
Estimate your UK property stamp duty instantly and understand the 2026 SDLT rules, first-time buyer relief, and additional property surcharges.
Calculate Your Stamp Duty
Enter your property purchase price and circumstances to instantly see your estimated Stamp Duty Land Tax (SDLT) with a clear, band-by-band breakdown.
SDLT Estimator
Get a clear breakdown of your property tax obligations.
How SDLT Works
Understanding your property tax
Determine the Price
SDLT is calculated on the total purchase price of the property, or the market value if it’s a gift or transfer.
Apply Reliefs
First-time buyers benefit from a higher tax-free threshold (£425,000), significantly reducing or eliminating their SDLT bill.
Calculate Band by Band
Stamp duty is progressive. You only pay the higher percentage on the portion of the price that falls within that specific band.
Factor in Surcharges
Purchasing a second home or buy-to-let property incurs a 3% surcharge on top of the standard rate for every price band.
2026 SDLT Tax Bands
Current Stamp Duty Land Tax rates for residential properties in England and Northern Ireland.
| Property Price Band | Standard Rate | First-Time Buyer | Additional Property |
|---|---|---|---|
| Up to £250,000 | 0% | 0% (up to £425k) | 3% |
| £250,001 to £425,000 | 5% | 0% | 8% |
| £425,001 to £625,000 | 5% | 5% | 8% |
| £625,001 to £925,000 | 5% | Standard Rates Apply | 8% |
| £925,001 to £1,500,000 | 10% | Standard Rates Apply | 13% |
| Above £1,500,000 | 12% | Standard Rates Apply | 15% |
Stamp Duty FAQ
Answers to the most frequently asked questions about UK property tax, reliefs, and payment deadlines.
Stamp Duty Land Tax (SDLT) is a tax levied by the UK government on the purchase of land or property over a certain threshold in England and Northern Ireland. Scotland and Wales have their own equivalent taxes, known as Land and Buildings Transaction Tax (LBTT) and Land Transaction Tax (LTT), respectively.
First-time buyers pay 0% SDLT on the first £425,000 of a property’s purchase price, and 5% on the portion between £425,001 and £625,000. If the property costs more than £625,000, first-time buyer relief is not available, and standard SDLT rates apply to the entire purchase price.
Yes. If you are purchasing an additional residential property (such as a second home or buy-to-let), you must pay a 3% surcharge on top of the standard SDLT rates for each price band. This applies even if you are replacing a main residence but have not yet sold your previous one.
You must file an SDLT return and pay the tax within 14 days of the completion date of your property purchase. In most cases, your solicitor or licensed conveyancer will handle the calculation, filing, and payment process on your behalf as part of the conveyancing service.