How it works
SDLT is banded like income tax — you pay each rate only on the slice of the price within that band, not the whole price.
2025 England residential bands: 0% to £125k, 2% to £250k, 5% to £925k, 10% to £1.5m, 12% above. First-time buyers pay 0% to £425k; additional properties add a 3% surcharge on the whole price.
Frequently asked questions
Do first-time buyers pay stamp duty?
Up to £425,000: no. £425k–£625k: 5% on the slice above £425k. Above £625k: standard rates.
When is SDLT paid?
On completion, within 14 days — your solicitor usually handles it.
Scotland and Wales?
Scotland has LBTT and Wales has LTT with different bands — this calculator covers England.
Disclaimer: This calculator provides estimates for educational purposes only and is not financial, tax, or legal advice. Consult a qualified professional before making financial decisions.