Stamp Duty Land Tax (SDLT) is paid when you buy a property in England or Northern Ireland above the threshold. It is charged in bands — you only pay each rate on the portion of the price that falls inside that band. This tool uses standard residential rates; first-time buyers may pay less, and second homes and buy-to-lets carry a surcharge. Scotland and Wales use their own systems (LBTT and LTT).
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Frequently asked questions
How does banded stamp duty work?
Each rate only applies to the slice of the price within that band — not the whole price — so the effective rate is always lower than the top band you reach.
Do first-time buyers pay stamp duty?
First-time buyers get relief up to a set purchase price, which can reduce or remove the bill. This calculator shows the standard rate, not first-time buyer relief.