⚡ Quick Answer
Stamp duty (SDLT in England) is 0% on the first £250,000 for standard buyers. First-time buyers pay 0% on the first £425,000 (property up to £625k). Additional properties pay a 3% surcharge. Scotland uses LBTT and Wales uses LTT with different thresholds.
Stamp Duty Calculator 2025
England & Northern Ireland SDLT Rates 2025/26
| Property Value | Standard Rate | First-Time Buyer | Additional Property |
|---|---|---|---|
| Up to £250,000 | 0% | 0% | 3% |
| £250,001–£925,000 | 5% | 5% (above £425k for FTB) | 8% |
| £925,001–£1.5m | 10% | 10% | 13% |
| Over £1.5m | 12% | 12% | 15% |
Source: HMRC SDLT residential rates ↗
Frequently Asked Questions
- Claim the small reliefs — they stack to hundreds per year
- Pension contributions near £60k/£100k thresholds carry 60%+ effective relief
- Check your tax code after any job or benefit change — millions are wrong each year
Read This Before You Apply
Most tax savings are claims, not schemes: Marriage Allowance (up to £252/year, backdatable four years), uniform and mileage relief, working-from-home relief where eligible — small individually, meaningful stacked.
A few pounds of income can cost hundreds in reliefs: the £60k and £100k thresholds carry hidden marginal rates. A pension contribution that drops you below a threshold can have an effective return of 60%+.
HMRC is more flexible before the deadline than after: Time to Pay arrangements are routinely granted online for bills under £30,000, whereas ignored deadlines compound at £10/day after three months.
Compare & Save Today
We compare the UK's leading providers — free, with no credit impact
MoneySuperMarket
Compare mortgages, loans & insurance
Experian
Check your free UK credit score
Compare the Market
Save money on insurance & utilities
CheckMyFile
Check all 3 credit reports at once
* Links marked with ↗ may earn FindYourPPI.com a referral fee at no cost to you. We only feature FCA-authorised providers. Learn more.
Get Your Free Financial Quote
Tell us what you need and we'll match you with FCA-authorised advisers who can help — completely free.
- ✅ No credit check to enquire
- ✅ FCA-regulated advisers only
- ✅ Free, no-obligation quotes
- ✅ Response within 24 hours
Get Expert Help Today
Compare 14,200+ deals from 47 lenders — always free, no credit check required.