Work out the Stamp Duty Land Tax due on a residential property purchase in England and Northern Ireland for 2025/26. Choose whether you are moving home, a first-time buyer, or buying an additional property (buy-to-let or second home), and see a full band-by-band breakdown plus the effective rate.
SDLT is tiered — each rate applies only to the slice of the price within its band. First-time buyers pay nothing up to £300,000 (relief is lost above £500,000); additional properties carry a 5% surcharge on every band. Scotland (LBTT) and Wales (LTT) use different rates. Built by COPA Accounting, specialist property and SPV accountants.