UK Stamp Duty Land Tax (SDLT / LBTT / LTT) Property Calculator
Calculate property transaction taxes across all UK nations: Stamp Duty Land Tax (SDLT in England & NI), Land and Buildings Transaction Tax (LBTT in Scotland), and Land Transaction Tax (LTT in Wales), accounting for First-Time Buyer relief, additional residential property surcharges (3% / 6%), and non-UK resident surcharges.
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About this Calculator & Calculation Methodology
Sourced from official His Majesty's Revenue and Customs (HMRC) regulations
England & Northern Ireland SDLT 2026/27: Standard rates: £0–£125k 0%, £125k–£250k 2%, £250k–£925k 5%, £925k–£1.5m 10%, >£1.5m 12%.
First-Time Buyer Relief: 0% up to £425,000, 5% on £425,000–£625,000 (no relief above £625k).
Additional Property / Company Surcharge: +3% across all bands.
Non-UK Resident Surcharge: +2% extra.
Scotland LBTT: £0–£145k 0%, £145k–£250k 2%, £250k–£325k 5%, £325k–£750k 10%, >£750k 12% (FTB relief threshold £175k).
Scotland Additional Dwelling Supplement (ADS): flat 6% surcharge on total price for second homes.
Wales LTT: £0–£225k 0%, £225k–£400k 6%, £400k–£750k 7.5%, £750k–£1.5m 10%, >£1.5m 12% (Higher rates for additional properties: 4% to 16%).
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Frequently Asked Questions
What are the SDLT tax rates for England and Northern Ireland in 2026/27?
For main residence buyers in England & NI, standard SDLT rates are: 0% on the first £125,000, 2% from £125,001 to £250,000, 5% from £250,001 to £925,000, 10% from £925,001 to £1,500,000, and 12% on the portion above £1.5 million.
How does First-Time Buyer Stamp Duty relief work in 2026?
First-time buyers in England & NI pay 0% SDLT on property purchases up to £425,000 and 5% on the portion between £425,000 and £625,000. If the purchase price exceeds £625,000, no relief is available and standard SDLT rates apply to the entire amount. In Scotland, LBTT FTB relief raises the zero-tax threshold to £175,000.
What is the additional property surcharge for buy-to-let or second homes?
In England and Northern Ireland, purchasing an additional residential property (or via a limited company) incurs a 3% surcharge on top of standard SDLT rates. In Scotland, the Additional Dwelling Supplement (ADS) is a 6% flat surcharge on the total purchase price. In Wales, Higher Residential Rates apply starting at 4%.
When must Stamp Duty be paid after completing a property purchase?
SDLT / LBTT / LTT returns must be submitted and tax paid to HMRC / Revenue Scotland / Welsh Revenue Authority within 14 days of property transaction completion. Conveyancing solicitors usually submit this on your behalf.
Disclaimer: Results are estimates based on standard tax rules for the 2026 tax year and are provided for informational purposes only. Individual circumstances (deductions, credits, specific state/local rules) may significantly affect your actual tax liability. Always consult a qualified tax professional or accountant for advice specific to your situation.