UK Tool
Stamp Duty Calculator
Calculate UK SDLT for your situation — first-time buyer, home mover, second home, buy-to-let or non-UK resident. Uses current 2026 bands with a full breakdown.
£400,000
Total SDLT
£7,500
Effective Rate
1.88%
SDLT / price
Buyer Type
Home mover
Net of SDLT
£407,500
Price + tax
Band-by-Band Breakdown
How each slice of the price is taxed.
£0 – £250,000 @ 0%£0 (£250,000 × 0%)
£250,000 – £925,000 @ 5%£7,500 (£150,000 × 5%)
If You Were a Different Buyer
SDLT at £400,000 across every buyer type.
| Buyer Type | SDLT | Effective Rate | Vs Your Case |
|---|---|---|---|
| Home mover (you) | £7,500 | 1.88% | — |
| First-time buyer | £0 | 0.00% | £-7,500 |
| Second home | £27,500 | 6.88% | +£20,000 |
| Buy-to-let | £27,500 | 6.88% | +£20,000 |
| Non-UK resident | £35,500 | 8.88% | +£28,000 |
UK SDLT Rules (2026)
- • Standard: 0% to £250k, 5% to £925k, 10% to £1.5m, 12% above.
- • First-time buyer relief: 0% to £425k, 5% to £625k. Only available if total price ≤ £625k.
- • Second home / BTL: 5% surcharge added to every band.
- • Non-UK resident: additional 2% surcharge on top of all applicable rates.
- • Applies to England and Northern Ireland. Scotland uses LBTT; Wales uses LTT.