Estimate your Stamp Duty in seconds.

Purchasing a residential property in England or Northern Ireland? Use this simple Stamp Duty calculator to check exactly what you’ll need to budget for Stamp Duty—so there are no surprises later on.

Stamp Duty Calculator

Property Price (£):

What is 'First-Time Buyer Relief?'

If you're buying your very first home, you may pay:

- No stamp duty on the first £300,000

- Only 5% on the portion from £300,001 to £500,000

- Over £500,000? You won’t qualify for the relief

Our calculator automatically checks this for you.

What is Stamp Duty Land Tax (SDLT)?

Stamp Duty Land Tax (SDLT) is a tax you’ll pay when you buy property or land in England or Northern Ireland. The amount you owe depends on your property price, whether you're a first-time buyer, and if it’s your main residence or a second home.

When do I pay stamp duty?

Stamp duty is due within 14 days of completion. Your solicitor usually handles this on your behalf.

How can I reduce stamp duty?

While there’s no avoiding stamp duty if you’re liable, you might:

- Negotiate the price just below a threshold (e.g. £250,000)

- Claim first-time buyer relief if eligible

- Transfer property as part of a divorce settlement (exempt)

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.