Stamp Duty Calculator To Estimate Your SDLT in Seconds
Use our Stamp Duty Calculator to quickly calculate stamp duty land tax on your property purchase, based on the latest UK thresholds and buyer type.
We work with more than 120 mortgage lenders, including
Understanding Stamp Duty Land Tax
A mandatory tax when buying property in England and Northern Ireland
Stamp Duty Land Tax is a government tax paid when purchasing property or land above a certain value. The amount you pay depends on the property price, whether you are a first-time buyer, purchasing an additional property, or buying through a company. Rates and thresholds can change, making it essential to calculate your liability accurately before committing to a purchase.
Calculate Your Stamp Duty in Seconds
A quick and simple way to estimate your SDLT
Our stamp duty calculator helps you estimate how much tax you may need to pay based on property price and buyer type. It applies current SDLT bands to give a clear breakdown of potential costs.
Disclaimer: This calculator provides an estimate only and should not be considered financial or tax advice.
Stamp Duty Calculator
Designed for Every Property Buyer in the UK
Quickly estimate your stamp duty liability with the latest 2025 rates
- First-time buyers can check if they qualify for relief, paying 0% SDLT up to £300,000 and 5% on £300,001–£500,000, depending on eligibility.
- Home movers can plan overall purchase costs, factoring in 0–12% SDLT rates on residential property depending on the price band.
- Buy-to-let investors can calculate the standard rates plus 3% additional property surcharge, helping them assess investment viability.
- Limited company buyers can estimate SDLT liability for corporate purchases, often subject to higher rates and additional surcharges.
- Overseas buyers can assess the extra 2% non-resident surcharge, in addition to standard and additional property rates for accurate budgeting.
More Than Just Numbers – Expert Estimates You Can Trust
Quickly understand your stamp duty liability with confidence and clarity
Instant Estimates
Get an immediate calculation of your stamp duty liability, reflecting current residential, additional property, and non-resident rates for accurate planning.
Updated for 2025
Incorporates the latest government thresholds, first-time buyer relief, and additional surcharges, ensuring your results align with current UK tax rules.
Supports All Buyer Types
Whether you’re a first-time buyer, home mover, buy-to-let investor, limited company, or overseas purchaser, our calculator provides tailored estimates.
Budget Smarter
Factor in SDLT alongside deposit, legal fees, and mortgage costs to create a clear, realistic budget before making an offer.
Clear Breakdown
See exactly how much tax is payable per price band and any applicable surcharges, making it easy to understand and compare scenarios.
Free and Accessible
No sign-up required. Use the calculator anywhere, anytime, helping you make informed property decisions quickly and confidently.
Contact Us
Thank you for your message!
We'll get back to you shortly.
Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Questions
What affects the amount of stamp duty I pay?
Stamp duty is calculated using tiered tax bands, so only the portion of the property price within each band is taxed at that rate. Your final amount depends on:
Whether you’re a first-time buyer eligible for relief
Buying an additional property or second home
Purchasing through a limited company
Being classed as an overseas buyer
Property type and regional rules
Any applicable reliefs, exemptions, or surcharges
Our Partner: https://contractormortgagesolutions.co.uk/
Why should I calculate stamp duty before buying?
Calculating early helps you plan your total property costs, including deposits, legal fees, and mortgage affordability. Many buyers underestimate SDLT, which can delay completion or cause financial strain. Early estimates ensure you:
Budget correctly before making an offer
Avoid surprises at exchange or completion
Compare different properties with a clear cost view
Understand potential reliefs and surcharges
How accurate is this stamp duty calculator?
Our calculator uses the latest 2025 SDLT rules, including standard rates, first-time buyer relief, additional property surcharges, and non-resident surcharges. Results are estimates only and may differ slightly depending on:
Solicitor calculations
Individual circumstances or property specifics
Changes to government thresholds
Do first-time buyers always pay zero stamp duty?
Not always. Relief applies up to £300,000, with 5% on the portion £300,001–£500,000. Properties over £500,000 do not qualify. Eligibility depends on:
Buyer status (must be first-time buyer)
Property type (must be residential)
Ownership history (cannot own another property)
Why do buy-to-let and second properties have higher stamp duty?
To discourage speculative purchases, an additional 3% surcharge applies to buy-to-let and second homes costing £40,000 or more. This is added on top of standard SDLT rates.
Does stamp duty differ across the UK?
Yes. Our calculator covers England and Northern Ireland only. Other regions use separate systems:
Scotland: Land and Buildings Transaction Tax (LBTT)
Wales: Land Transaction Tax (LTT)
Are there extra charges for overseas buyers?
Yes. Non-UK residents typically pay an additional 2% surcharge on top of standard SDLT rates, applicable to residential properties costing £40,000 or more.
Can stamp duty rules change after I calculate?
Yes. Government policy can change SDLT thresholds, reliefs, and surcharges. Always confirm your final liability with your solicitor before exchange or completion.
Should I speak to a mortgage or tax advisor after using this calculator?
Absolutely. The calculator gives a quick estimate, but professional advice ensures:
Accurate final stamp duty figures
Guidance on reliefs, exemptions, and surcharges
Integration into your overall property budget and mortgage plan