Stamp duty, LBTT and LTT
Type the price, where the home is and which describes you. It works out the tax at the rates in force, slice by slice.
Estimate · figures checked 23 Oct 2026 · guidance, not advice · sources
Good to know
- It leaves out the 2% surcharge for buyers who aren't UK resident, shared ownership, new leases and reliefs such as for replacing a main home.
Questions
Who counts as a first-time buyer?
You, and everyone you buy with, have never owned a home anywhere. In England and Northern Ireland the relief is for homes up to £500,000.
When is it paid?
Usually on the day you complete. Your conveyancer normally sends the return and the payment.
What is an extra home?
Buying a home while you still own another, such as a second home or a buy-to-let. The higher rates start at £40,000.
Where the figures come from
The rates in force, checked 23 October 2026:
- Stamp Duty Land Tax rates, first-time buyer relief and the 5% for extra homes, England and Northern Ireland
- Land and Buildings Transaction Tax rates, Scotland
- Additional Dwelling Supplement: 8% in Scotland
- Land Transaction Tax rates, Wales
Related tools
Cost the whole move
Calm Money Home adds the tax to the moving costs, council tax and bills, so you see what each place really costs.
Calm Money Home: UK Moving Costs · £10.79 on Etsy