Stamp Duty First-Time Buyer Calculator 2025-26

Calculate stamp duty relief for first-time buyers in England and Northern Ireland. Updated April 2025.

Last updated: April 2026 · Source: GOV.UK — Stamp Duty first-time buyer relief

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Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.

How It Works

First-time buyers in England and Northern Ireland benefit from Stamp Duty Land Tax (SDLT) relief on residential property purchases. From April 2025, no SDLT is payable on the first £300,000 of the purchase price provided the property costs no more than £500,000. The portion between £300,001 and £500,000 is taxed at 5%.

To qualify, you must never have owned a freehold or leasehold interest in a residential property anywhere in the world. If you are buying jointly, all purchasers must be first-time buyers. Properties priced above £500,000 do not qualify for any relief and standard rates apply to the entire purchase.

This calculator checks your eligibility based on the property price, then applies the first-time buyer bands to show your total SDLT bill. It also compares what you would pay under standard rates so you can see the saving.

Example: £425,000 first home purchase

  1. £0–£300,000 at 0% = £0
  2. £300,001–£425,000 at 5% = £6,250
  3. Total SDLT: £6,250 (effective rate: 1.47%)
  4. Under standard rates this would be £8,750 — saving of £2,500

Source: GOV.UK — Stamp Duty first-time buyer relief

Frequently Asked Questions

What does the Stamp Duty First-Time Buyer Calculator do?
Calculate stamp duty relief for first-time buyers in England and Northern Ireland. Updated April 2025. All calculations are performed in your browser using official UK rates and thresholds.
Is this calculator updated for the 2025/26 tax year?
Yes. This calculator uses the latest HMRC rates and thresholds for the 2025/26 UK tax year, which runs from 6 April 2025 to 5 April 2026. Rates are verified against official HMRC publications.
Do I need to tell HMRC about this?
Whether you need to report to HMRC depends on your individual circumstances. If you are unsure, check GOV.UK or contact HMRC directly. This calculator provides estimates for guidance only.