Calculate Your Stamp Duty
Stamp Duty Land Tax Breakdown
How Stamp Duty Works in 2026/27
Stamp Duty Land Tax (SDLT) is paid when you buy a property in England or Northern Ireland. The tax is applied in bands — meaning you only pay each rate on the portion of the price that falls within each band, not the full purchase price.
First-time buyers receive significant relief: no SDLT is paid on the first £300,000 for properties up to £500,000, and 5% is charged on the portion from £300,001 to £500,000. For properties above £500,000, standard rates apply with no first-time buyer relief. If you're buying an additional property or buy-to-let, a 5% surcharge applies on top of standard rates (increased from 3% in October 2024).
Example SDLT Bills by Property Price
| Property Price | First-Time Buyer | Moving Home | Additional Property |
|---|---|---|---|
| £200,000 | £0 | £1,500 | £11,500 |
| £300,000 | £0 | £5,000 | £20,000 |
| £400,000 | £5,000 | £12,500 | £32,500 |
| £500,000 | £10,000 | £17,500 | £42,500 |
| £750,000 | n/a | £23,750 | £61,250 |
| £1,000,000 | n/a | £41,250 | £91,250 |
Frequently Asked Questions
All figures are estimates based on HMRC rates for the 2026/27 tax year. Always consult a financial adviser for personalised advice.