Calculate Your Stamp Duty in Seconds

For a standard home mover, the stamp duty on a £300,000 property is £5,000. This is calculated as 0% on the first £125,000, 2% on the next £125,000 (£2,500), and 5% on the remaining £50,000 (£2,500). First-time buyers purchasing at £300,000 or below pay no stamp duty at all.

First-time buyers benefit from SDLT relief. You pay no stamp duty on properties up to £300,000. For properties priced between £300,001 and £500,000, you pay 5% only on the portion above £300,000. If the property exceeds £500,000, you lose the relief entirely and pay standard rates.

Since 31 October 2024, buyers purchasing a second home, buy-to-let, or holiday home pay a 5% surcharge on top of the standard SDLT rates at every band. This applies if you already own residential property anywhere in the world. You can claim a refund if you sell your previous main residence within 36 months.

Yes. If you have not been present in the UK for at least 183 days in the 12 months before purchase, you pay an additional 2% surcharge on top of all other applicable rates. This stacks with the additional property surcharge if relevant — meaning overseas investors could face rates up to 19% at the highest band.

You must file an SDLT return and pay any stamp duty due within 14 days of completion. Your solicitor or conveyancer will typically handle this as part of the conveyancing process. Late filing can result in penalties and interest from HMRC.

Yes. On 1 April 2025, the temporary nil-rate threshold of £250,000 reverted to £125,000. The first-time buyer threshold dropped from £425,000 to £300,000, and the maximum property price for first-time buyer relief reduced from £625,000 to £500,000. The additional property surcharge had already risen from 3% to 5% in October 2024.