Stamp Duty Calculator UK: How Much Will You Pay?
Your first-time-buyer stamp duty relief ends at £500,000. Stretch £11k over the line and the entire purchase gets repriced. The cliff edge nobody warns you about before you offer.
SDLT bands for England and NI, 2026/27
| Band | Standard rate | First-time buyer | + 2nd home |
|---|---|---|---|
| £0 - £125k | 0% | 0% | 5% |
| £125k - £250k | 2% | 0% | 7% |
| £250k - £500k | 5% | 5% (£300k+) | 10% |
| £500k - £925k | 5% | No relief | 10% |
| £925k - £1.5m | 10% | No relief | 15% |
First-time buyer relief vanishes at £500,001. The £500k cliff edge costs a buyer £5,000 for £1 of extra price.
Key takeaways
Standard SDLT bands in 2026/27: 0% to £125k, 2% £125k-£250k, 5% £250k-£925k, 10% £925k-£1.5m, 12% above
First-time buyers pay 0% up to £300,000 and 5% from £300,001-£500,000 - but only on properties up to £500,000
Second properties carry a 5% surcharge on every band, raised from 3% in October 2024
Use our [stamp duty calculator](/tools/stamp-duty-calculator) to model your specific purchase including the surcharge