England & Northern Ireland — SDLT only
UK Stamp Duty Calculator
Estimate SDLT with first-time buyer and additional property options.
Stamp duty (SDLT)
£2,500.00
Effective rate
0.83%
Band breakdown
- Up to £250,000£0.00
- £250,001 to £925,000£2,500.00
Stamp Duty Land Tax (SDLT) overview
What SDLT covers
Stamp Duty Land Tax applies to property purchases in England and Northern Ireland. The tax is calculated on progressive bands — you pay different rates on portions of the price, not a flat percentage on the full amount.
First-time buyer relief reduces tax on properties up to certain thresholds. Additional property purchases (second homes, buy-to-let) incur a surcharge on each band.
Planning your purchase budget
SDLT is due within 14 days of completion in most cases. Include it in your total cash needed alongside deposit, solicitor fees, and surveys.
This calculator models England & NI rules only. If you buy in Scotland or Wales, use LBTT or LTT calculators with local guidance.
Frequently asked questions
- ?Does this cover Scotland or Wales?
- Stamp duty uses England & Northern Ireland SDLT bands. Scotland uses LBTT and Wales uses LTT — separate rules apply.
- ?What rate is used on preset pages?
- Scenario pages default to 5.5% unless you change the rate in the calculator.
- ?Do first-time buyers always pay no SDLT?
- No — relief applies up to defined price limits. Above those thresholds, normal band rates apply on the excess.
- ?Is SDLT deductible for buy-to-let?
- SDLT is a capital cost for tax purposes, not an income deduction. Consult a UK tax adviser for your situation.