First-time buyer stamp duty calculator
Calculate UK Stamp Duty (SDLT) for first-time buyers with 0% tax relief up to £425,000. Free and instant band breakdown, no sign-up.
In your browser
Standard rate is 3% (or 5% for purchases from 31 Oct 2024 onwards).
Stamp Duty Due (SDLT)
Effective Tax Rate
Total tax as percentage of price
Total Purchase Outlay
Purchase price + Stamp Duty
Stamp Duty Band Breakdown (England & NI)
| Property Value Band | Tax Rate | Taxable in Band | Tax Payable |
|---|---|---|---|
| Total Stamp Duty Land Tax Due | |||
Next in your workflow
Also with the uk stamp duty (sdlt) calculator
About this tool
Calculate Stamp Duty relief for first-time buyers in England and Northern Ireland. Enjoy 0% SDLT on purchases up to £425,000 and 5% between £425,001 and £625,000.
How to use it
- 1 Choose your buyer circumstance: First-time Buyer, Moving Home, or Additional Property.
- 2 Enter the agreed purchase price in pounds (£) or click a quick price preset.
- 3 Inspect your total Stamp Duty bill, effective tax percentage, and itemised band-by-band tax breakdown.
Questions
Do first-time buyers pay Stamp Duty on a £350k house?
No. First-time buyers pay £0 Stamp Duty on homes priced up to £425,000 (provided the total purchase price is £625,000 or less).
What is the first-time buyer stamp duty relief limit?
First-time buyers pay 0% SDLT on purchases up to £425,000, and 5% on the portion between £425,001 and £625,000. If the property price exceeds £625,000, no relief applies and standard residential rates apply to the entire price.
What are standard UK residential stamp duty rates?
For main residences: 0% up to £250,000; 5% from £250,001 to £925,000; 10% from £925,001 to £1,500,000; and 12% on any portion above £1,500,000.
What is the surcharge for second homes or buy-to-let?
Purchases of additional residential dwellings incur a surcharge on top of standard rates (3% historically, increased to 5% from 31 October 2024).
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
More in Calculators & converters
- UK salary tax calculator New Calculate UK take-home pay, income tax, National Insurance and student loan deductions for 2024-26.
- UK VAT calculator New Add or remove UK VAT at 20%, 5% or custom rates with instant net, VAT and gross totals for invoices.
- UK holiday entitlement calculator New Calculate statutory UK annual leave and holiday entitlement for full-time, part-time and irregular hours workers.
- UK student loan calculator New Calculate UK student loan repayments for Plan 1, Plan 2, Plan 4 Scotland, Plan 5 and Postgraduate loans based on your salary.
- UK redundancy pay calculator New Calculate statutory UK redundancy pay based on age, weekly pay and length of service under current HMRC limits.
- UK child benefit tax calculator New Calculate High Income Child Benefit Charge (HICBC) and net payments kept under the new 2024-2026 £60k to £80k taper rules.