Free tool · England and Northern Ireland

Stamp Duty calculator

Work out the Stamp Duty Land Tax on a property purchase in England or Northern Ireland, including first-time buyer relief, the 5% surcharge on additional properties and the 2% non-resident surcharge.

  • First-time buyer relief
  • Buy-to-let surcharge
  • Non-resident surcharge
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  • Updated for 2026/27
  • Instant, private estimate
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Estimate your Stamp Duty

England and Northern Ireland residential rates. Nothing is stored or sent.

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Who it’s for

Who this calculator is for

Residential buyers in England and Northern Ireland.

🏡

Home movers

Replacing your main home.

🔑

First-time buyers

Relief up to £500,000.

🏘️

Landlords

Buy-to-let and second homes.

✈️

Overseas buyers

Non-resident surcharge.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
Start my return
Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
Start my return
Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
  • Capital gains and crypto
  • Foreign income and relief
  • Making Tax Digital support
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All prices include VAT.

What’s included

What the calculator works out

Rates from 1 April 2025.

  • Standard residential rates
  • First-time buyer relief
  • 5% higher rates surcharge
  • 2% non-resident surcharge
  • Your effective rate
  • Total Stamp Duty
How it works

A seamless, fully online process

Enter the price

Purchase price.

Choose buyer type

Main home, first-time or additional.

Residency

UK resident or not.

See your Stamp Duty

Due within 14 days.

Rates used

Residential Stamp Duty rates

Price bandStandardFirst-time buyer
Up to £125,0000%0%
£125,001 to £250,0002%0%
£250,001 to £300,0005%0%
£300,001 to £500,0005%5%
£500,001 to £925,0005%Standard rates apply
£925,001 to £1.5m10%Standard rates apply
Over £1.5m12%Standard rates apply

How is Stamp Duty calculated?

In short: Stamp Duty is charged in slices. You pay each rate only on the part of the price in that band. Additional properties pay an extra 5% on every band.

A worked example

A £350,000 home for someone moving: 2% on £125,000 is £2,500 and 5% on £100,000 is £5,000, so Stamp Duty is £7,500. A first-time buyer would pay £2,500.

Landlords and selling

Buy-to-let purchases pay the surcharge. When you sell, Capital Gains Tax may apply, with a 60-day return. See our landlord tax returns, Capital Gains Tax service and CGT calculator. Scotland and Wales have their own taxes. More on our tax calculators page.

Official guidance: Stamp Duty Land Tax: residential rates

Home buyer calculating Stamp Duty
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Why clients choose Wingate

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FAQs

Frequently asked questions

How much is Stamp Duty on a £300,000 house?
£5,000 for a home mover, or nothing for a first-time buyer.
What is first-time buyer relief?
No tax up to £300,000 and 5% to £500,000. No relief above £500,000.
How much is the second home surcharge?
5% on top of each band.
Does this work for Scotland or Wales?
No. Scotland has LBTT and Wales has LTT.
When is Stamp Duty paid?
Within 14 days of completion, usually by your solicitor.
Can you help with landlord tax?
Yes, from £250, VAT included.

Talk to us about property tax

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

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