First-time buyers
Relief may apply when every buyer qualifies and the purchase price stays within the current limit.
Read the first-time buyer guideStamp duty estimate · England and Northern Ireland
Stamp duty calculator for England and Northern Ireland
Enter the purchase price and choose whether you are buying as a first-time buyer, replacing your main home or purchasing an additional property.
Estimated SDLTEngland & Northern Ireland
Estimated stamp duty£10,0002.50% effective tax rate
See calculation breakdown
- £125,000 at 0%£0
- £125,000 at 2%£2,500
- £150,000 at 5%£7,500
Rates reviewed against GOV.UK on 22 August 2026. Estimate only. It does not cover every relief, company purchase, leasehold rent calculation or mixed-use transaction. Confirm the final amount with a solicitor, tax adviser or HMRC.
Additional properties
Higher rates may apply if the purchase leaves you owning more than one residential property.
Read the official guidanceNon-UK residents
A 2% surcharge may apply under the SDLT residence tests, including alongside other higher rates.
Read the official guidanceBuyer questions
Questions worth asking.
Clear answers to the practical questions buyers raise before the next step.
01Which part of the UK does this calculator cover?
It estimates residential Stamp Duty Land Tax for England and Northern Ireland. Scotland and Wales use different property taxes.
02Does it include the additional-property surcharge?
Yes. Choose additional property to include the higher residential rates. Whether they apply to you can depend on the homes you already own and whether you are replacing your main home.
03Is the estimate tax advice?
No. It is an estimate for early planning and cannot cover every relief, company purchase, mixed-use transaction, lease or residence test. Confirm the final amount with HMRC, your solicitor or a tax adviser.
Your next step
Tell us what you’re looking for.
Use the estimate alongside your deposit, legal fees, mortgage costs, moving costs and the ongoing cost of the home.