Stamp Duty Calculator
Your Home, Your Future, Our Mission
Your Home,
Your Future,
Our Mission
Stamp Duty Calculator
Work out your stamp duty costs in seconds for properties in England – no fuss, no hassle
Let's crunch those numbers for you!
Stamp duty can be a bit of a maze, but we're here to make it simple. Just select your buyer type and pop in your property details below.
We'll work out exactly what you'll need to pay in England with the latest April 2025 rates.
Need help with your mortgage too?
We don't just calculate – we find you the best mortgage deals that aren't available on the high street.
Get Your Free Mortgage QuoteFor official government rates and the latest updates, visit: GOV.UK Stamp Duty Land Tax
STILL NOT SURE?
Frequently Asked Questions
First-Time Buyer FAQs
When do I need to pay stamp duty?
You must pay stamp duty within 14 days of completing your property purchase. Your solicitor usually handles this for you, but you're responsible for ensuring it's paid on time to avoid penalties.
Are these the current stamp duty rates?
Yes, this calculator uses the latest rates that came into effect on 1st April 2025. The temporary lower thresholds from 2022 have now ended, so rates have increased for most buyers. For official government rates and the latest updates, visit: GOV.UK Stamp Duty Land Tax
I'm a first-time buyer - why am I paying stamp duty on a £400k property?
The first-time buyer relief threshold dropped from £425,000 to £300,000 in April 2025. You now pay 0% on the first £300,000 and 5% on anything above that (up to £500,000 properties).
Does this calculator work for properties in Scotland or Wales?
No, this calculator is specifically for properties in England. Scotland uses Land and Buildings Transaction Tax (LBTT) and Wales uses Land Transaction Tax (LTT), both with different rates and thresholds.
The deposit percentages seem high - can I put down less?
These are typical deposit requirements in the current market. First-time buyers might access 5% deposit mortgages through government schemes, while buy-to-let properties often require 25% minimum. The actual deposit you can put down depends on your lender's criteria and the mortgage products available to you.
I'm getting a Joint Borrower Sole Proprietor (JBSP) mortgage with my parents helping - do I still qualify for first-time buyer stamp duty relief?
You can still qualify for first-time buyer relief with a JBSP mortgage!
Here's how it works:
Stamp duty is assessed only on you (the FTB)- the sole proprietor whose name is on the title deeds.
Your parents' property ownership doesn't affect your stamp duty - they're not liable for stamp duty as they're not on the deeds
You qualify for first-time buyer relief if this is your first property purchase and the property is £500,000 or less.
Your parents can own other properties without it impacting your first-time buyer status!
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be between £299-£699.
The Mortgage Dog Ltd (FCA Number 788976) is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Dog Ltd. is registered in England and Wales under company number 12306191 at the registered address 41a Spout Lane, Washington, NE38 7HP. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
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