First-Time Buyer Stamp Duty Calculator (2026)
Calculate Stamp Duty Land Tax (SDLT) relief for first-time buyers in England and Northern Ireland, and calculate your total savings vs standard movers.
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First-Time Buyer Stamp Duty
£0
Based on your selected ftb stamp duty calculator assumptions. Try different sliders to compare scenarios.
Standard Mover Stamp Duty
£6,500
First-Time Buyer Relief Savings
£6,500
Effective Tax Rate
0.00%
England & NI Stamp Duty (SDLT) Thresholds:
• First-Time Buyers: 0% tax up to £425,000, 5% on £425,001–£625,000 (temporary relief until 31 March 2025, reverting to £300,000/£500,000 from 1 April 2025).
• Next Home Movers: 0% up to £250,000 (reverting to £125,000 from April 2025), 5% up to £925,000, 10% up to £1.5M, 12% above.
• Additional Property Surcharge: Extra 3% Stamp Duty surcharge applies to second homes and buy-to-let investments.
These calculations are financial projections and planning estimates, not tax, legal or licensed financial advice. HMRC 2025/2026 statutory rates, NI thresholds, and local council rates apply.
UK Stamp Duty (SDLT) Comparison Matrix
Compare Stamp Duty Land Tax across First-Time Buyers (£425k relief), Standard Home Movers, and Additional Property / Buy-to-Let buyers (including the 5% surcharge).
| Property Price | First-Time Buyer | Standard Mover | Second Home / BTL (5% Surcharge) |
|---|---|---|---|
| £200,000 | £0 (0%) | £0 (0%) | £10,000 |
| £300,000 | £0 (0%) | £2,500 (0.8%) | £17,500 |
| £400,000 | £0 (0%) | £7,500 (1.9%) | £27,500 |
| £500,000 | £3,750 (0.8%) | £12,500 (2.5%) | £37,500 |
| £600,000 | £8,750 (1.5%) | £17,500 (2.9%) | £47,500 |
| £750,000 | £25,000 (3.3%) | £25,000 (3.3%) | £62,500 |
| £1,000,000 | £41,250 (4.1%) | £41,250 (4.1%) | £91,250 |
First-Time Buyer SDLT Relief Rules
First-time buyers pay 0% Stamp Duty on properties up to £425,000, and 5% on the portion between £425,001 and £625,000. Crucially, if you buy a home for more than £625,000, you lose 100% of the relief and must pay standard rates on the full amount.
14-Day HMRC Payment Deadline
Stamp Duty must be submitted and paid to HMRC within 14 days of completion. Your conveyancer or solicitor typically handles this electronically, but you must have the cleared cash ready alongside your mortgage deposit.
How to Use the FTB Stamp Duty Calculator
Enter property purchase price
Input the agreed sale price of the residential property.
Select buyer status
Choose whether you are a First-Time Buyer, Moving Home, or Purchasing an Additional/Buy-to-Let Property.
Calculate SDLT liability
Review the tiered Stamp Duty Land Tax liability due within 14 days of completion.
Formula & Calculation Methodology
SDLT = 0% on first £425,000 (£300k after March 2025), 5% on balance up to maximum thresholdThis calculator uses standard United Kingdom financial formulas, IRS thresholds, and amortization schedules. All results compute instantly in your browser with zero data stored or transmitted.
Calculation Examples & Scenarios
First-Time Buyer (£400,000 Home)
£400,000 purchase price qualifying for First-Time Buyer SDLT relief.
Standard Home Mover (£550,000 Property)
Next home purchase at £550,000 with previous property sold.
Key Benefits
- Calculates progressive HMRC Stamp Duty Land Tax (SDLT) bands for England and Northern Ireland
- Includes First-Time Buyer relief thresholds and maximum property caps
- Calculates the 5% higher rate surcharge for additional residential and buy-to-let properties
Common Use Cases
- Homebuyers calculating upfront completion costs and mortgage deposit requirements
- Buy-to-let property investors budgeting the 5% additional property surcharge
- Solicitors and conveyancers validating HMRC SDLT Return figures before settlement
Understanding UK Stamp Duty Land Tax (SDLT) Rates
Stamp Duty Land Tax (SDLT) is payable when purchasing a residential property or land in England and Northern Ireland over certain price thresholds. SDLT operates on a progressive tiered system, meaning you only pay the respective tax percentage on the slice of the purchase price falling within each band.
First-time buyers benefit from relief exemptions, paying 0% on properties up to £425,000 and 5% on the portion between £425,001 and £625,000. If the property price exceeds the £625,000 threshold, standard home mover rates apply across the entire amount.
Frequently Asked Questions
Under current rules, first-time buyers pay 0% Stamp Duty on properties up to £425,000, and 5% on the portion between £425,001 and £625,000. If the purchase price exceeds £625,000, zero first-time buyer relief applies and standard rates must be paid on the entire amount.
The temporary stamp duty relief enacted in 2022 expires on 31 March 2025. From 1 April 2025, the first-time buyer 0% threshold returns to £300,000 (maximum property cap £500,000), and the standard home-mover nil rate band reverts from £250,000 to £125,000.
To qualify, you (and anyone you are buying jointly with) must have never owned a freehold or long-leasehold residential property anywhere in the world, including inherited properties.
No. Scotland uses Land and Buildings Transaction Tax (LBTT) where first-time buyers have a £175,000 nil-rate threshold. Wales uses Land Transaction Tax (LTT) which does not offer a specific first-time buyer relief band.
Typically no. Stamp Duty is paid directly to HMRC upon completion (within 14 days) and cannot be added to your mortgage loan amount, so you must budget for it alongside your deposit and legal fees.
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