Home
How much Stamp Duty will you actually pay?
Current SDLT bands, first-time buyer relief, and the additional property surcharge.
Stamp Duty calculator
England & Northern Ireland — current SDLT rates and thresholds
Stamp Duty owed
£6,000
Effective rate
1.9%
of the full price
Property price
£320,000
Covers standard residential SDLT for England and Northern Ireland only. Doesn't account for shared ownership, multiple dwellings, or non-UK resident surcharges (an extra 2% for overseas buyers). Confirm your exact figure with a solicitor or conveyancer before exchange.
Stamp Duty Land Tax is charged in bands, so you only pay each rate on the slice of the price within that band — not the whole price at your top rate. First-time buyers pay nothing on the first £300,000, provided the property costs £500,000 or less; above that, the relief disappears entirely and standard rates apply to the full price. Buying an additional property (a second home or buy-to-let) adds a flat 5% surcharge on top of every band. Scotland and Wales use their own separate taxes (LBTT and LTT) with different rates, not covered here.
Frequently asked questions
Do first-time buyers pay Stamp Duty?
First-time buyers pay nothing on the first £300,000 of a property costing £500,000 or less; above £500,000, the relief is lost entirely and standard rates apply.
How much extra Stamp Duty do you pay on a second home?
An additional 5% surcharge applies on top of the standard rates for every band.