Stamp Duty Calculator

Use our Stamp Duty calculator to estimate how much Stamp Duty Land Tax you’ll need to pay on your new home based on the latest rates.

Frequently Asked Questions about Stamp Duty

We’ve done our best to try and answer some of the most frequently asked questions about Stamp Duty Charges

What is stamp duty?

Stamp Duty Land Tax (SDLT) is a tax in England and Northern Ireland. It usually applies to residential properties, or pieces of land, that cost more than £250,000.

Scotland and Wales have their own taxes that are equal to stamp duty.

You’ll pay:

  • Land and Buildings Transaction Tax (LBTT) in Scotland
  • Land Transaction Tax (LTT) in Wales

Who has to pay stamp duty

Most buyers have to pay stamp duty. Aside from your mortgage, stamp duty could be the biggest cost of buying a home.

You have to pay your stamp duty within 14 days of your move in date. If it’s not paid by then, you could risk a fine, or having interest added to the amount due.

Often your solicitor deals with your stamp duty payment.

It can help to know what stamp duty is, how it’s calculated, and when it’s due.

You pay stamp duty as a lump sum on new properties, second homes, freehold and leasehold properties. It does not matter if you buy the home with a mortgage or with cash.

You do not need to pay stamp duty land tax if you’re:

  • Buying a property valued below the stamp duty threshold
  • Transferring the deeds of your home to someone
  • A first time buyer in England or Northern Ireland if you’re buying a property that costs less than £425,000

To use our stamp duty calculator you need to provide these details:

  • Where you’re buying (England & Northern Ireland, Wales or Scotland)

  • If it’s your first home, next home, and if you’ll own multiple properties

  • The value of the property you’re buying

Our stamp duty calculator will then calculate the total Stamp Duty Land Tax, Land and Buildings Transaction Tax or Land Transaction Tax that you’ll need to pay.

Your mortgage adviser can give you general information on the rates you need to pay. Mortgage advisers are not qualified to give tax advice.

If you need advice on tax, then speak to an independent tax and legal specialist.

Stamp duty calculator - arial view of houses
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