Stamp duty calculator
How much stamp duty you'll pay on a home in England or Northern Ireland, with the band-by-band working shown so you can check it. Free, no sign-up.
Your situation
Neither you nor anyone buying with you has owned a home before
Stamp duty due
£0
That's an effective rate of 0.00% across the whole purchase price, payable within 14 days of completion.
First-time buyer relief is saving you £5,000.
How it's worked out
Stamp duty is charged in slices — each portion of the price is taxed at its own rate, not the whole price at the top rate.
| Portion of price | Rate | Duty |
|---|---|---|
| £0 – £300,000(£300,000) | 0% | £0 |
| Total | £0 |
England & Northern Ireland rates, as of 2025-04-01. Scotland and Wales use different taxes (LBTT and LTT). This is general information and an estimate, not tax or financial advice — check the figure with your conveyancer before you rely on it.
Work out the bigger question
Should you be buying at all?
Stamp duty is one line in a much bigger sum. Sheepdog's rent vs. buy model puts this £0alongside your mortgage, maintenance and the return you'd get investing the deposit instead — and tells you the year buying moves ahead.
Request early accessWhat is stamp duty?
Stamp Duty Land Tax (SDLT) is a tax on buying property in England and Northern Ireland. It's charged in bands: each slice of the purchase price is taxed at its own rate, so a £300,000 home is not taxed at a single flat percentage.
First-time buyers pay nothing up to £300,000 and 5% on the portion between £300,001 and £500,000. Above £500,000 the relief disappears entirely — not gradually — so a purchase a little over that line can cost thousands more than one just under it.
Buying an additional property — a second home or a buy-to-let — adds 5 percentage points to every band, including the portion that would otherwise be tax-free.
You must file a return and pay within 14 days of completion, though your conveyancer normally handles both. Rates shown are those effective from 2025-04-01. Scotland charges Land and Buildings Transaction Tax and Wales charges Land Transaction Tax instead; neither is calculated here.