How is UK stamp duty calculated?

SDLT is charged in marginal bands (England & NI, 2026/27): 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m and 12% above. Each rate applies only to the slice of price within its band.

How much stamp duty do first-time buyers pay?

First-time buyers pay no SDLT on the first £300,000 and 5% from £300,001 to £500,000. Above £500,000 the relief is lost and standard rates apply.

What is the stamp duty surcharge on a second home?

An extra 5% is added on top of every standard band for additional properties and buy-to-let (raised from 3% on 31 October 2024).

How much extra stamp duty do non-UK residents pay?

Non-UK residents pay an extra 2% SDLT surcharge on top of all other rates (in force since 1 April 2021). It stacks with the 5% second-home surcharge, so a non-resident buying an additional property pays standard rates plus 7%.

Real Estate · UK

UK Stamp Duty Calculator (SDLT) 2026/27

Work out the Stamp Duty Land Tax you'll pay in England & Northern Ireland — for first-time buyers, home movers, and additional properties. Figures update as you type.

Your purchase

Property price

Buyer type

Non-UK resident (+2% surcharge)

Applies if you weren't UK-resident for 183+ days in the 12 months before purchase. Stacks with the second-home surcharge.

How it works: SDLT is marginal — each rate applies only to the part of the price inside its band. First-time buyer relief applies up to £500,000; above that, standard rates apply. The additional-property surcharge adds 5% to every band. Scotland (LBTT) and Wales (LTT) use different systems — or compare all three in the UK stamp duty hub. Read our UK stamp duty guide for worked examples, or the second-home & non-resident surcharges guide if you're buying a buy-to-let or from abroad. Disclaimer →

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Stamp duty you'll pay

£4,500

effective rate 1.55%

Band	Rate	Tax

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