🇬🇧 UK Financial Tools · 2026/27

UK Stamp Duty Calculator
calculate your SDLT in seconds

Calculate exactly how much stamp duty you owe on your property purchase — updated for 2026 rates with first-time buyer relief and additional property surcharge.

✓ Updated for 2026 rates✓ First-time buyer relief✓ Additional property surcharge✓ Full band breakdown
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Note: England and Northern Ireland SDLT only. Scotland uses LBTT, Wales uses LTT.
Stamp Duty (SDLT)
£—
Property price—
SDLT—
Total cost (incl. SDLT)—
Band breakdown

How stamp duty is calculated

Stamp Duty Land Tax (SDLT) works in bands — similar to income tax. You pay the relevant rate only on the portion of the price that falls within each band. So on a £300,000 property, you don't pay 5% on the whole amount: you pay 0% on the first £125,000, 2% on the next £125,000, and 5% on the remaining £50,000.

Standard SDLT rates for 2026

The nil-rate threshold reverted to £125,000 in April 2025 after the temporary £250,000 threshold expired. The bands are: 0% up to £125,000; 2% on £125,001–£250,000; 5% on £250,001–£925,000; 10% on £925,001–£1,500,000; 12% above £1,500,000.

First-time buyer relief

First-time buyers pay 0% on the first £300,000 of a property worth up to £500,000, and 5% on the portion between £300,001 and £500,000. Properties above £500,000 do not qualify for first-time buyer relief — standard rates apply from £1.

Additional property surcharge

A 3% surcharge applies on all purchases of additional residential properties — second homes, buy-to-let, and any residential property when you already own one. The surcharge applies from £1 with no nil-rate band. If you sell your main residence within three years of buying the new property, you can apply for a refund of the surcharge.

UK Stamp Duty Calculator 2026

This calculator works out your Stamp Duty Land Tax (SDLT) for residential property purchases in England and Northern Ireland. Select your buyer type to apply the correct rates — first-time buyers, home movers and additional property purchasers all pay different amounts.

SDLT rates for 2026

Property value Standard rate First-time buyer Additional property
Up to £125,000 0% 0% 3%
£125,001–£250,000 2% 0%* 5%
£250,001–£300,000 5% 0%* 8%
£300,001–£500,000 5% 5% 8%
£500,001–£925,000 5% 5%** 8%
£925,001–£1,500,000 10% 10%** 13%
Above £1,500,000 12% 12%** 15%

* First-time buyer relief applies on properties up to £500,000 only. ** Above £500,000, standard rates apply from £1 for first-time buyers.

Frequently asked questions

First-time buyers pay no stamp duty on the first £300,000 of a property worth up to £500,000. On £300,001–£500,000 they pay 5%. Properties above £500,000 do not qualify for relief and standard rates apply from £1.
Yes — a 3% surcharge applies on all additional residential properties on top of standard SDLT rates. This applies from £1 with no nil-rate band. If you sell your main residence within 3 years, you can claim a refund of the surcharge.
SDLT must be filed and paid within 14 days of completion. Your solicitor or conveyancer normally handles this as part of the purchase process.
Yes. Scotland has Land and Buildings Transaction Tax (LBTT) and Wales has Land Transaction Tax (LTT). Both use different thresholds and rates. This calculator covers England and Northern Ireland SDLT only.
Some lenders will allow you to add stamp duty to your mortgage, but this increases your loan amount and means paying interest on it over the full term. Most financial advisers recommend paying it from savings where possible.