UK Stamp Duty Calculator — First-Time Buyer
First-time buyer relief in England & NI: no SDLT on the first £425,000 if the property is £625,000 or less. Scotland + Wales rules explained.
Other🇬🇧UK · Tax Year 2026/27Reviewed No sign-up · Runs in your browser
Property Details
£350,000
Stamp Duty (SDLT)
SDLT Payable
£7,500
Effective rate: 2.14%
£125,000 - £250,000 @ 2%£2,500
£250,000 - £350,000 @ 5%£5,000
Property Price
£350,000
SDLT
£7,500
Total Cost
£357,500
For estimation only. Not professional financial, tax, or legal advice. Consult a qualified advisor before making decisions. Full disclaimer.
How it works
First-time buyer stamp duty relief
The three UK jurisdictions treat first-time buyers differently. Here's the summary:
England & Northern Ireland (SDLT)
- 0% on the first £425,000
- 5% on the portion between £425,001 and £625,000
- Relief is LOST if the property costs more than £625,000 — you pay full standard SDLT on the whole price
Scotland (LBTT)
- Nil-rate band extended to £175,000 (vs £145,000 standard)
- Standard LBTT rates on anything above £175,000
Wales (LTT)
- No first-time buyer relief. You pay the same as any other residential purchase.
Who qualifies as a first-time buyer?
You must have never owned a freehold or long leasehold residential property anywhere in the world. If you inherited a property you later sold, you still count as having owned it — so you don't qualify. Joint purchases: ALL parties must qualify for the relief to apply.
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