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Stamp duty calculator
England & Northern Ireland rates, band by band: first-time buyer, moving home or buying an additional property.
England and Northern Ireland rates. Scotland charges LBTT and Wales charges LTT instead, with different bands. “Additional property” adds 5% on every band; it does not apply if you are replacing your main home.
Stamp duty on this purchase
£0
0.0% of the purchase price
- £0 – £300,000 at 0%£0
- Total£0
Stamp duty is paid on completion, on top of your deposit. Budgeting for the move? Savings goal planner.
Common questions
- How much stamp duty will I pay?
- Stamp duty is tiered, like income tax. Moving home you pay nothing on the first £125,000, 2% on the slice to £250,000, 5% to £925,000, 10% to £1.5 million and 12% above. On a £350,000 home that is £7,500. First-time buyers pay nothing up to £300,000.
- Do first-time buyers pay stamp duty?
- Not on the first £300,000, and 5% on the slice between £300,000 and £500,000. The catch: if the property costs more than £500,000 the relief vanishes entirely and you pay standard rates on the whole price, not just the part over the cap.
- How much extra is stamp duty on a second home or buy-to-let?
- An extra 5 percentage points on every band, charged from the first pound. On a £350,000 purchase that turns £7,500 into £25,000. It does not apply if you are replacing your main residence, and it can be refunded if you sell your previous main home within 36 months.
- Is stamp duty different in Scotland and Wales?
- Yes. Scotland charges Land and Buildings Transaction Tax (LBTT) and Wales charges Land Transaction Tax (LTT), each with their own bands and surcharges. This calculator covers England and Northern Ireland only.
- When and how do I pay stamp duty?
- Within 14 days of completion. In practice your conveyancer files the return and collects the money alongside completion funds, so the real planning job is having it ready in cash on top of your deposit; it cannot usually be added to the mortgage.
Saving for the deposit and fees? The savings goal planner turns the total into a monthly number, and once you own, the mortgage overpayment calculator shows what extra payments save.