First-time buyer
Your property tax as a first-time buyer would be:
£0
Stamp Duty (SDLT)
Mortgage calculators
Stamp Duty and Property Purchase Tax Calculator
Estimate the property purchase tax that may apply when buying in England or Northern Ireland, Scotland or Wales. Enter the property value and choose its location to compare the scenarios shown below.
The result is an estimate based on the information entered and the rules configured in this calculator. It is not tax or legal advice.
Your property details
Your results update automatically as you type.
Your estimated property purchase tax
Compare the scenarios below using the property value and location entered.
Buying your main home
The estimated property purchase tax when the first-time buyer scenario does not apply and this is not treated as an additional property.
£0
Stamp Duty (SDLT)
Buying an additional property
The estimated property purchase tax for the additional-property scenario shown by this calculator.
£0
Stamp Duty (SDLT)
This estimate is based on the information entered and the tax rules currently configured in the calculator. Property circumstances can affect the amount due, and rules may change. A conveyancer or tax professional can confirm the tax treatment of a purchase. A Mortgage and Protection Advisor can help you consider the figure alongside your mortgage plans and wider buying costs.
Stamp Duty questions
Helpful answers to common property purchase tax questions when you are buying a home.
What is Stamp Duty?
Stamp Duty Land Tax is a tax that may be due when you buy property or land in England or Northern Ireland. The amount depends on the purchase price, your circumstances, and whether the purchase is your main home or an additional property.
Do property taxes differ across the UK?
Yes. Wales uses Land Transaction Tax and Scotland uses Land and Buildings Transaction Tax. Each nation has its own bands, rates, and reliefs, so select the property location in the calculator to see the relevant estimate.
Will first-time buyers pay Stamp Duty?
First-time buyers may qualify for relief when they meet the relevant criteria. The relief and price limits can change, and eligibility depends on the buyers and the property, so use the result as a guide and check your circumstances with an adviser or conveyancer.
What counts as an additional property?
Buying a second home or a buy-to-let property can mean higher property tax rates apply. Whether the additional-property rules apply depends on the property you own at completion and your wider circumstances.
When is Stamp Duty paid?
Your conveyancer or solicitor normally calculates the final tax due, submits the relevant return, and arranges payment as part of completing your purchase. They will confirm the final amount and deadline for your transaction.
Is this calculator an exact quote?
No. It is an estimate based on the information entered and the rules configured in the calculator. The circumstances of a purchase can affect the amount due, and tax rules may change. A conveyancer or tax professional can confirm the position for a particular transaction.
Understanding the estimate
Property purchase taxes differ across the UK.
The tax system used depends on where the property is located. The calculator changes the calculation according to the location selected, but the result still depends on the accuracy of the information entered and the circumstances of the transaction.
Stamp Duty Land Tax
Stamp Duty Land Tax may apply to qualifying property purchases in England and Northern Ireland. Different treatment can apply to first-time buyers and additional properties, subject to the rules and circumstances at the time.
Land and Buildings Transaction Tax
Property purchases in Scotland use Land and Buildings Transaction Tax rather than Stamp Duty Land Tax. The Scottish rules, bands and additional-dwelling treatment are calculated separately.
Land Transaction Tax
Property purchases in Wales use Land Transaction Tax. Welsh bands and higher residential rates are separate from the systems used elsewhere in the UK.
Include the estimate in your wider buying budget.
Property purchase tax can be one of several costs involved in buying a home. Depending on the transaction, you may also need to plan for legal work, surveys or valuations, moving costs, insurance and mortgage-related fees.
Keep a note of the property value, location and scenario used in the calculator. If your ownership position, intended use of the property or transaction structure is not straightforward, obtain appropriate legal or tax guidance before relying on the estimate.
Check the location
Make sure the selected nation matches the property’s location, not where you currently live.
Choose the relevant scenario
First-time buyer, main-home and additional-property treatment can differ. If you are uncertain which applies, seek appropriate guidance.
Keep room for other costs
The tax estimate is not a complete home-buying budget. Consider the other costs and commitments associated with the purchase.
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Planning a property purchase?
Discuss the estimate alongside your mortgage plans.
The calculator can help you set an initial budget, but it cannot assess your full mortgage circumstances or confirm the tax treatment of a transaction. Speak to a Mortgage and Protection Advisor if you would like to discuss the mortgage questions behind your plans and the information that may be needed next.