Stamp Duty Land Tax (SDLT) is paid when you buy a property in England or Northern Ireland. Scotland has LBTT and Wales has LTT instead. Buyers of an additional home, such as a buy-to-let or second home, usually pay higher rates.
This free calculator works out the tax for first-time buyers, home movers and buy-to-let purchases, including the 5% surcharge on additional homes in England and Northern Ireland, Scotland’s Additional Dwelling Supplement and non-residential rates.
| First £125,000 at 5% | £6,250 |
|---|---|
| Next £75,000 at 7% | £5,250 |
| Total SDLT | £11,500 |
| Same home, first-time buyer | £0 |
Next step
Put the stamp duty into the whole deal: yield, cashflow, a mortgage stress test and the tax as a person or a company.
Or get every tool with the Founder’s Pass, £199. One-off price, secure checkout by Stripe.
In England and Northern Ireland, buyers of an additional home pay 5% on top of each standard band: 5% up to £125,000, 7% on the next £125,000, 10% up to £925,000, 15% up to £1.5 million and 17% above that.
For a main home in England and Northern Ireland: 0% up to £125,000, 2% on £125,001 to £250,000, 5% on £250,001 to £925,000, 10% on £925,001 to £1.5 million and 12% above.
In England and Northern Ireland first-time buyers pay nothing on the first £300,000 and 5% on the part from £300,001 to £500,000. The relief doesn’t apply if the price is over £500,000.
Yes. Scotland has Land and Buildings Transaction Tax (LBTT) with an 8% Additional Dwelling Supplement on additional homes, and Wales has Land Transaction Tax (LTT) with its own higher rates. The calculator covers both.
Education, not advice. Rules change and depend on your circumstances. Check GOV.UK and speak to a qualified adviser before you act.