How Stamp Duty Works

Stamp Duty Land Tax is charged on residential and commercial property purchases above certain thresholds. The amount you pay depends on:

Our mortgage brokers provide:

• The purchase price
• Whether you are a first-time buyer
• If the property is an additional property or buy-to-let
• Current government thresholds and reliefs

Stamp Duty is calculated on a slab basis, meaning different portions of the price are taxed at different rates.

Stamp Duty Rates (Residential – England & Northern Ireland)

(Rates subject to change – calculator uses current government thresholds)

• Up to £250,000 – 0%
• £250,001 to £925,000 – 5%
• £925,001 to £1.5 million – 10%
• Over £1.5 million – 12%

Additional properties (including buy-to-let) usually attract a 3% surcharge on each band.

First-Time Buyer Relief

If you are a first-time buyer, you may be eligible for Stamp Duty relief on purchases up to a certain value. Our calculator automatically applies first-time buyer relief where applicable, helping you see potential savings instantly.

Buy-to-Let & Second Homes

Purchasing an additional property typically means higher Stamp Duty costs. The calculator includes the additional property surcharge so landlords and investors can budget accurately.

Why Use Our Stamp Duty Calculator?

• Instant, easy-to-use estimates
• Includes first-time buyer relief
• Accounts for additional property surcharges
• Designed for residential and investment buyers

Please note: The calculator provides an estimate only. Your solicitor or conveyancer will confirm the final amount payable.

Need Help Understanding Your Costs?

Stamp Duty is just one part of the buying process. Our experienced team at Property Hub Ltd can guide you through:

• Purchase costs and budgeting
• First-time buyer support
• Buy-to-let investments
• Mortgage advice through our trusted adviser partners