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Stamp Duty Calculator
Looking for a stamp duty calculator? You’ll find one right here along with access to the right advice about your mortgage situation.
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Author: Pete Mugleston - Mortgage Advisor, MD
A stamp duty calculator can help you work out how much stamp duty land tax you will need to pay when purchasing a property, whether that’s a primary residence, a second home or a buy-to-let investment. Below, you’ll find one that’s free to use, learn how the calculations behind it work, and find out what to do after you’ve worked out how much your bill will be.
Stamp Duty Calculator
This calculator can tell you how much Stamp Duty Land Tax you will need to pay on your property purchase, whether you're a first-time buyer, a home-mover or in the market for an investment property.
Your stamp duty to pay is:
Your effective tax rate is
Now that you've worked out how much stamp duty is payable, it's a good idea to talk to a broker about your mortgage options. Their knowledge and expertise can help you make sure you aren't paying over the odds with all costs and fees factored in.
How this calculator works
Stamp duty land tax on a residential property is calculated based on a percentage of the purchase price, and the amount payable rises in line with banded thresholds.
Using the most up-to-date rates, home-buyers pay nothing on the first £250,000 of their home’s value, while the portion between £250,001 and £925,000 is charged at 5%. Anything that falls between £925,001 and £1.5 million is charged at 10%, and above £1.5 million at 15%.
Our stamp duty calculator works out your bill based on your property’s value, the purpose of the property (i.e. residential, second home, buy-to-let) and whether you’re a first-time buyer, as people in this category pay no stamp duty on homes bought for up to £425,000.
Please note that stamp duty is calculated differently for buy-to-let properties and second homes, but our calculator takes this into account and adjusts the amount accordingly.
You can read more about what the rates are currently set at in our standalone article about how stamp duty works.
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Calculators are great, but they don't tell you everything you need to know. If you'd prefer an expert advisor to help, fill this out!
Is stamp duty calculated differently elsewhere in the UK?
Stamp duty land tax is the same in Northern Ireland as it is in England, but different rules and calculations apply in Scotland and Wales.
In Scotland, stamp duty was replaced by Land and Buildings Transaction Tax in 2015. No tax is payable on the first £145,000 of a property’s value, while the portion between £145,001 and £250,000 is taxed at 2%. The next band is £250,001 to £325,000, charged at 5%, while £325,001 to £750,000 is taxed at 10% and anything over £750,000 at 12%.
For more information, including exemptions and the calculations for non-residential and second properties, consult the Scottish government’s website.
Meanwhile, the Welsh version of stamp duty is Land Transaction Tax, which has a starting threshold of £225,000 for residential homes and £225,000 for non-residential land and properties.
For details about bandings, calculations and exemptions, visit the Welsh government’s website.
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What you should do next
Regardless of where you’re up to in the mortgage process, your next move after calculating your stamp duty costs should be to speak to a mortgage broker.
The right mortgage broker can help you make sure you’re getting the very best deal before you complete your property purchase, whether you’re just starting out and need a hand comparing rates, or have already been offered a mortgage and want to see whether it’s competitive with what’s available elsewhere.
Call 0808 189 2301 or make an enquiry online and we’ll match you with a mortgage broker who can guide you through the next steps after you’ve worked out your stamp duty bill, and potentially help you save time and money along the way.
FAQs
Stamp duty for a commercial property is the same as a buy-to-let or second home, as they fall into the general category of ‘non-residential’ where this tax is concerned. This means that they will be charged at 3% higher than the rate for residential homes.
If you want to use our calculator to work out how much stamp duty you’ll need to pay on your commercial purchase, select the ‘second/buy-to-let’ option.
Yes. If you’re buying a Shared Ownership property you have two options for paying your stamp duty. Firstly, you can choose to be charged based on the value of the share you are buying and the net present value of the rent, also known as paying in stages.
Alternatively, you could pay your stamp duty based on the property’s full market value. If this is your first property purchase and the purchase price is less than £425,000, you will qualify for first-time buyers’ relief.
No. It’s exactly the same in all cities across England and Northern Ireland. The calculations are only different if you are buying in Scotland or Wales, which have their own rules.
Speak to an expert
Calculators are great, but they don't tell you everything you need to know. If you'd prefer an expert advisor to help, fill this out!