🏠 Stamp Duty Land Tax Calculator UK
Calculate Stamp Duty Land Tax (SDLT) on UK property purchases
Relief applies to properties up to £625,000
How to Use This Calculator
Enter Property Value
Input the purchase price of the property.
Select Property Type
Choose whether this is your main residence or an additional property (second home). Additional properties have a 3% surcharge.
Indicate First-Time Buyer Status
Select if you're a first-time buyer (relief applies to properties up to £625,000).
Review Results
See the total SDLT payable and a breakdown by tax band.
Formula
SDLT Rates (2024-25) - Main Residence:
£0 - £250,000: 0%
£250,001 - £925,000: 5%
£925,001 - £1,500,000: 10%
Above £1,500,000: 12%
First-Time Buyers: £0 - £425,000 at 0%, then 5% up to £625,000
Additional Property: +3% surcharge on each band
Example 1: £300,000 Main Residence
First £250,000: 0% = £0
Next £50,000: 5% = £2,500
Total SDLT = £2,500
Example 2: £300,000 First-Time Buyer
First £425,000: 0% = £0
Total SDLT = £0 (under first-time buyer threshold)
About Stamp Duty Land Tax Calculator UK
The Stamp Duty Land Tax Calculator calculates SDLT on property purchases in England and Northern Ireland. SDLT is a tax paid when you buy property or land. The amount you pay depends on the property value, whether it's your main residence or an additional property, and whether you're a first-time buyer.
SDLT rates are tiered, with different rates applying to different portions of the property value. First-time buyers receive relief on properties up to £625,000, paying 0% on the first £425,000 and 5% on the portion between £425,001 and £625,000. Additional properties (second homes) have a 3% surcharge on each band.
This calculator is essential for UK property buyers, first-time buyers, investors, and anyone purchasing property in England or Northern Ireland. It helps estimate SDLT costs, plan for property purchases, understand tax obligations, and make informed buying decisions.
When to Use This Calculator
- Property Purchase: Calculate SDLT before buying property
- First-Time Buyers: Understand first-time buyer relief
- Investment Property: Calculate SDLT on second homes and investment properties
- Budget Planning: Plan for total property purchase costs including SDLT
- Academic Study: Learn about UK Stamp Duty Land Tax
- Financial Planning: Understand property purchase tax obligations
Why Use Our Calculator?
- ✅ Accurate Calculations: Uses current UK SDLT rates
- ✅ Comprehensive: Includes first-time buyer relief and additional property surcharge
- ✅ Educational: Helps understand UK SDLT system
- ✅ Easy to Use: Simple interface for quick calculations
- ✅ Free Tool: No registration or fees required
- ✅ Detailed Breakdown: Shows SDLT by tax band
Understanding UK Stamp Duty Land Tax
Stamp Duty Land Tax (SDLT) is a tax on property purchases in England and Northern Ireland. Scotland has Land and Buildings Transaction Tax (LBTT), and Wales has Land Transaction Tax (LTT). SDLT rates are tiered, meaning different portions of the property value are taxed at different rates.
First-time buyers receive relief: they pay 0% SDLT on the first £425,000 and 5% on the portion between £425,001 and £625,000. For properties above £625,000, first-time buyer relief doesn't apply. Additional properties (second homes, buy-to-let) have a 3% surcharge on each band.
Real-World Applications
Property Purchase: When buying property, SDLT is a significant cost. This calculator helps estimate the SDLT payable, allowing buyers to budget for the total purchase cost including stamp duty.
First-Time Buyers: First-time buyer relief can significantly reduce SDLT costs. Understanding this relief helps first-time buyers plan their property purchase and maximize savings.
Investment Property: Additional property purchases (second homes, buy-to-let) face higher SDLT due to the 3% surcharge. This calculator helps investors understand the true cost of investment property purchases.
Important Considerations
- SDLT applies to England and Northern Ireland (Scotland and Wales have different systems)
- Rates and thresholds may change each tax year - check current rates
- First-time buyer relief applies to properties up to £625,000
- Additional properties have a 3% surcharge on each band
- SDLT is due within 14 days of completion
- This calculator provides estimates - consult a solicitor or tax advisor for accurate calculations
Frequently Asked Questions
What is Stamp Duty Land Tax?
Stamp Duty Land Tax (SDLT) is a tax on property purchases in England and Northern Ireland. It's paid when you buy property or land above certain thresholds. Scotland and Wales have their own similar taxes (LBTT and LTT).
What are the SDLT rates?
For main residences: 0% up to £250,000, 5% on £250,001-£925,000, 10% on £925,001-£1,500,000, and 12% above £1,500,000. First-time buyers pay 0% on first £425,000 and 5% up to £625,000. Additional properties have a 3% surcharge on each band.
Who qualifies for first-time buyer relief?
First-time buyer relief applies if you're buying your first property, the property value is up to £625,000, and you intend to live in the property as your main residence. Both buyers must be first-time buyers if buying jointly.
What is the additional property surcharge?
The additional property surcharge is an extra 3% added to each SDLT band for second homes, buy-to-let properties, and other additional properties. This applies if you already own a property and are buying another.
When is SDLT due?
SDLT must be paid within 14 days of completing the property purchase. Your solicitor or conveyancer usually handles the SDLT payment and filing. Late payment may result in penalties and interest.
Does SDLT apply to all UK properties?
SDLT applies to England and Northern Ireland. Scotland has Land and Buildings Transaction Tax (LBTT) and Wales has Land Transaction Tax (LTT). These are similar taxes but have different rates and thresholds.