UK Stamp Duty (SDLT) Calculator 2026/27
Calculate Stamp Duty Land Tax (SDLT) on UK property purchases. Covers 2026/27 residential, first-time buyer, and buy-to-let additional property rates.
Last updated: May 2026
Property Price
£300,000
Total SDLT
£2,500
Effective Rate
0.83%
Total Cost (inc. duty)
£302,500
Reviewed by Anjali Mehta
•Personal Finance AnalystA seasoned financial journalist and analyst. Anjali focuses on making complex financial data accessible and ensuring our tools provide practical, real-world value to users. All mathematical models and regulatory data points have been verified for the current 2026 fiscal period.
What is Stamp Duty Land Tax (SDLT)?
Stamp Duty Land Tax (SDLT) is a tax you pay when you buy property or land in England and Northern Ireland above a certain price. The amount depends on the purchase price, whether you are a first-time buyer, and whether you already own other properties.
Scotland uses Land and Buildings Transaction Tax (LBTT) and Wales uses Land Transaction Tax (LTT). This calculator covers England and Northern Ireland SDLT rates.
How to use this calculator
- 1Enter purchase price — Input the agreed price of the property you are buying.
- 2Select buyer type — Choose first-time buyer, standard residential, or additional property.
- 3Review SDLT breakdown — See the SDLT owed at each rate band and the total payable.
- 4Plan your budget — Use the result to factor SDLT into your overall property purchase budget.
Formula & example
SDLT = Sum of (rate x slice of purchase price) | First-time buyer relief applies on properties up to 500,000
Example: Standard residential purchase at 400,000. SDLT: 0% on first 250,000 = 0, 5% on next 150,000 = 7,500. Total SDLT = 7,500.
Benefits
2026/27 rates
Uses current SDLT thresholds and first-time buyer relief limits.
All buyer types
Covers first-time buyers, movers, and additional property purchasers.
Band-by-band breakdown
See exactly how much tax falls in each SDLT band.
Buy-to-let surcharge
Automatically applies the 3% additional property surcharge.
Use cases
First home purchase
Calculate how much SDLT you owe and whether first-time buyer relief applies.
Moving home
Plan the SDLT cost when selling your current home and buying a new one.
Buy-to-let investment
Factor in the additional 3% surcharge when evaluating a rental property investment.
Second home
Calculate SDLT on a holiday home or second residential property.
Frequently asked questions
What is the SDLT threshold for 2026/27?+
For standard residential purchases, SDLT starts at 250,001. First-time buyers pay no SDLT on properties up to 300,000, and a reduced rate on properties up to 500,000.
Do first-time buyers pay stamp duty?+
First-time buyers pay no SDLT on the first 300,000 of the purchase price. On properties between 300,001 and 500,000, they pay 5% only on the portion above 300,000.
When do you pay the extra 3% surcharge?+
The additional 3% surcharge applies if you are buying a residential property and already own another property anywhere in the world. It applies to the entire purchase price.
How long do I have to pay SDLT?+
SDLT must be paid and a return filed within 14 days of completing the property purchase. Your solicitor usually handles this as part of the conveyancing process.
Can I get SDLT refunded?+
You can claim a refund of the 3% additional property surcharge if you sell your previous main home within 3 years of buying the new property.