Stamp Duty Calculator

Stamp Duty is an inherent cost of buying a home, but variable rates depend on several variables. This guide shows you how to calculate your Stamp Duty step by step.

Calculate how much stamp duty you will pay:

  1. Select "First Time Buyer", "Moving Home" or "Additional Property".
  2. Enter purchase price.
  3. Click "Calculate" button for instant stamp duty calculations.

Error: Purchase Price is required.

Stamp Duty:


Effective Rate
Tax Band%Taxable SumTax
less than £300k0(5)**
£300k to £500k5
£500k to £925k5
£925k to £1.5m10
rest over £1.5m12

**For purchases over £500k, SDLT is charged at 2% from £125k to £250k and 5% from £250k to £925k.

UK Stamp Duty Calculator - How much will I pay?

Our easy stamp duty calculator helps homebuyers in England and Northern Ireland understand how much stamp duty they would need to pay against a property purchase.

The stamp duty calculator helps:

- First-time buyers
- Investors purchasing additional properties
- Home movers

What is stamp duty?

Stamp duty is a property tax called Stamp Duty Land Tax (SDLT). This tax is payable on property purchases in England and Northern Ireland.

The rate of stamp duty payable depends on the price of the property. There are different bands that properties fall into that determine the rate of tax owed.

What are the 2020 stamp duty rates?

Stamp duty rates payable are as below for freehold residential properties.

Band                                      SDLT on 1st Property                      SDLT on Additional Properties
<£125,000                                             0%                                                          3%*
£125,000-£250,000                              2%                                                          5%
£250,000-£925,000                              5%                                                          8%
£925,000 - £1,500,000                        10%                                                        13%
>£1,500,000                                        12%                                                        15%

* If you purchase an additional property at under £40,000 there is no SDLT payable. The standard 3% tax levy applies to second property purchases from £40,000-£125,000.

How to get a stamp duty refund?

If you are moving home, you may be eligible for a stamp duty refund. A refund is claimable online, and an application for a refund be submitted once your property has sold.

Please take a look at our guidance on moving home for more advice about claiming stamp duty refunds.

Stamp duty on buy-to-let and second homes

The stamp duty rate of tax is higher for additional residential properties, which includes buy-to-let premises and second homes. These higher rates mean an additional 3% surcharge is payable in addition to the normal SDLT payable.

If you are unsure whether your property falls into these criteria, or what SDLT you will need to pay, try our handy calculator or give Revolution Finance Brokers a call for support.

Usually, other types of property, such as land and commercial premises are not taken into consideration when determining whether a residential property purchase is a first or additional home.

For help understanding the rates and applicable exemptions take a look at our additional homes advice, or give our team a call on 0330 304 3040.

Moving your primary home when you have additional properties

If you decide to move home and are replacing your main property, you will not need to pay the higher rates of stamp duty even if you own a second residence.

Should you move home before selling your existing residence, then stamp duty is charged at the higher rate. A refund can be claimed retrospectively when your previous property sells.

You can claim a stamp duty refund within one year of selling your home, provided the time between purchasing your new property and selling your previous residence is no longer than three years.

Stamp duty for first-time buyers

First-time buyers are exempt from paying stamp duty on properties purchased up to the value of £300,000. This exemption means that there are fewer boundaries for first-time buyers to get onto the property ladder, and most will not pay any stamp duty on their first property purchase.

Stamp duty relief rate increases to £500,000 in high-value property areas like London.

When is SDLT payable?

Stamp duty must be paid within two weeks of the property purchase completing.

Usually, the conveyancer, solicitor or broker representing you manages your stamp duty payment.

Paying stamp duty as a non-resident of the UK

From 2020, non-UK residents pay a higher rate of stamp duty than UK citizens. The additional tax payable is 2% in addition to the standard rates and applies throughout England and Northern Ireland.

Non-residents include anybody not considered a UK resident for tax purposes and include ex-pats living abroad. The extra surcharge brings to maximum stamp duty payable up to 17%.

Having an additional levy for non-UK residents is intended to level the property market and make it more accessible to UK residents than for overseas investors. The stamp duty changes also control the rate of house price rises and provide more help for first-time buyers looking to get onto the property ladder.

How much income does stamp duty provide for the government?

Stamp duty has risen gradually for several years and was last reformed extensively in 2014. In 2018/19 stamp duty taxes raised around £11.9 billion in government funds, a drop from £12.9 billion in the previous year.

This drop in income is attributable to uncertainty about how the housing market would fair, and the exemptions on stamp duty introduced for first-time buyers.

Stamp duty in Scotland and Wales

Stamp duty rates vary in different countries across the UK, and our calculator applies to residential freehold property purchases in England and Northern Ireland.

For help with other stamp duty rates and property purchases, get in touch at 0330 304 3040 or email

Please note that our stamp duty calculator rounds down to the nearest pound for ease of use!


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The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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