Calculate your Stamp Duty Land Tax (SDLT), Scottish LBTT, or Welsh LTT based on 2026 rates and buyer type.
Quick Answer:First-time buyers in England pay no stamp duty on properties up to £300,000. Home movers pay 0% on the first £125,000, with progressive rates above that. Additional properties incur a 3% surcharge on all bands.
Total Stamp Duty
Calculating... payable on completion
Effective Tax Rate
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As % of purchase price
Tax as % of Price
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Total Purchase Cost
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Property + stamp duty
Tax Breakdown
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In 2026, first-time buyer relief remains significant for purchases under £500,000. If you are buying an additional property, you may be able to reclaim the 3% surcharge if you sell your previous main residence within 36 months. Non-UK residents should also check for any double taxation treaties that may apply. Always factor stamp duty into your total property budget -- it is a significant upfront cost that cannot be added to your mortgage.
In England and Northern Ireland in 2026, stamp duty (SDLT) starts at 0% for the first £125,000, then 2% from £125,001-£250,000, 5% from £250,001-£925,000, 10% from £925,001-£1,500,000, and 12% above £1,500,000. First-time buyers pay 0% up to £300,000 and 5% up to £500,000 (only if the property costs under £500,000). Additional properties add a 3% surcharge.
First-time buyers in England and NI pay no stamp duty on the first £300,000 of a property priced up to £500,000. They pay 5% on the portion between £300,001 and £500,000. If the property exceeds £500,000, standard home mover rates apply instead. Scotland and Wales have their own first-time buyer reliefs with different thresholds.
If you are purchasing an additional property (buy-to-let, second home), you pay a 3% surcharge on top of the standard stamp duty rates on each band. Non-UK residents pay an additional 2% surcharge on top of all other rates. These surcharges can significantly increase the total tax on investment properties and should be factored into any buy-to-let yield calculations.