How it works
Tax is charged in bands. Eligible first-time buyers pay no tax on the first £300,000 for purchases up to £500,000.
A worked example
A £350,000 main-home purchase at standard rates attracts £7,500 SDLT. An eligible first-time buyer pays £2,500.
What to keep in mind
England and Northern Ireland only; Scotland uses LBTT and Wales uses LTT. Standard residential purchases, current rates checked 23 September 2026. Additional-home and non-resident surcharges included; excludes leases, companies, linked transactions and special reliefs. All first-time-buyer eligibility conditions must be met.
A common question
Can I use this for a home in Scotland or Wales?
No. Those countries have separate property taxes. This calculator covers England and Northern Ireland only.
Sources & rates
Rates checked on 23 September 2026.
For general information and planning, not personalised financial or tax advice. Verify important decisions with a qualified adviser.