Stamp duty calculator

What is stamp duty?

Stamp Duty Land Tax (SDLT) – usually just referred to as stamp duty in England and Northern Ireland - is a tax you must pay if you purchase a property or land that costs more than a set amount.

In Scotland, the equivalent is Land and Buildings Transactions Tax. In Wales, buyers pay Land Transaction Tax.

Read our Stamp Duty guide for more information.

How does the stamp duty calculator work?

Our calculator has four questions and can be completed in under 60 seconds.

1. State what region you are buying in

2. State if you're a first time buyer or if you've owned property before (including overseas)

3. State if you'll own two or more properties with this purchase

4. Enter the property price and submit your answer

5. We'll show you the stamp duty amount due

Stamp duty rates in the UK

Stamp duty thresholds and rates vary between England and Northern Ireland, Wales, and Scotland. Rates also vary based on your buyer status (for example, if you're a non-UK resident or a first-time buyer) and if the property is going to be your primary residence.

Unless otherwise stated, all stamp duty rates are sourced from GOV.UK. We've just extracted the key bits to make it easier for you.

Stamp Duty in England and Northern Ireland

In England and Northern Ireland, there's no stamp duty on the first £125,000 of a primary residence. If you're a first-time buyer, this threshold is £300,000.

If you're a first-time buyer and you buy a home costing over £500,000, the £300,000 threshold will not apply. Instead, you'll pay stamp duty at the normal rate.

Stamp duty rates for non-UK residents

If you're a non-UK resident - which means you don't spend at least 183 days in the UK in the 12 months before you purchase your property, you'll pay a higher rate of stamp duty.

If a transaction is classified as a non-resident transaction, there's a 2% surchage on top of all the standard rates for Stamp Duty (including first-time buyers).

For a more detailed breakdown of how stamp duty works for non-UK residents, read GOV.UK's worked examples.

Stamp Duty in Wales

Unlike England, Northern Ireland, and Scotland, Wales has no relief for first-time buyers. What you pay is identical to someone who wasn't a first-time buyer.

Stamp Duty in Scotland

When do I pay Stamp Duty?

In England and Northern Ireland, you have 14 days from the date of completion to submit your SDLT return and pay and stamp duty due.

In Wales and Scotland, you have 30 days from the date of completion.

If you don't submit a return and pay within the timeframe, HMRC may charge you penalties and interest.

In most cases, your conveyancer will submit your SDLT return and pay on your behalf, but you're ultimately responsible for making sure everything is submitted on time.

Late penalties

Stamp Duty Land Tax (SDLT) late payment penalties are automatic and start from £100 up to 100% of the duty owed if the delay is deliberate.

• Up to 3 months late: £100 fixed penalty

• 3 to 12 months late: £200 fixed penalty

• Over 12 months: tax-based penalty applies, which could be higher than fixed penalty fees

Interest is applied on late payments from the day it was due until it is paid in full.

Compare mortgage deals

Whether you're a first-time buyer or home mover you'll want to shop around for the best possible mortgage deal.

We can help you find a deal to suit your needs. All you need to do is provide us with a few details about yourself, your property and your current mortgage (if you have one) and we'll do the rest.

You can sort through a range of mortgages offered by lenders from across the market.

Make use of our mortgage repayment calculator to see how much your repayments could cost you. You can also use our affordability calculator to find out how much you could borrow for your new home.

Your home may be repossessed if you do not keep up repayments on your mortgage.