Estimate the property tax on a home purchase in England and Northern Ireland (SDLT), Scotland (LBTT) or Wales (LTT), including first-time buyer relief and the extra charges for additional properties.
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If you are replacing your main residence, the higher rates usually do not apply (or can be reclaimed) when the conditions are met.
England and Northern Ireland only: non-UK residents pay an extra 2% on each band.
Property tax is charged in bands, like Income Tax: each rate applies only to the part of the price that falls inside that band. A higher top rate never applies to the whole price.
0% up to £125,000 · 2% to £250,000 · 5% to £925,000 · 10% to £1.5m · 12% above.
First-time buyers: 0% up to £300,000 and 5% to £500,000, if the price is £500,000 or less.
Additional homes: +5% on every band. Non-UK residents: +2%.
0% up to £145,000 · 2% to £250,000 · 5% to £325,000 · 10% to £750,000 · 12% above.
First-time buyers: the 0% band rises to £175,000.
Additional homes: Additional Dwelling Supplement of 8% of the whole price.
0% up to £225,000 · 6% to £400,000 · 7.5% to £750,000 · 10% to £1.5m · 12% above.
There is no first-time buyer relief in Wales.
Additional homes: higher rates from 5% to 17% apply.
Sources: GOV.UK SDLT rates · Revenue Scotland LBTT · Welsh Revenue Authority LTT
The calculator models a standard residential purchase by individuals. It does not cover company purchases, shared ownership, linked transactions, mixed-use or non-residential property, multiple-dwellings purchases or leases. Joint purchases where only one buyer is a first-time buyer usually do not qualify for first-time buyer relief.
Your conveyancer or solicitor will confirm the final figure and file the return. Use this estimate to budget, then check the official guidance for your situation.
No. Each rate applies only to the slice of the price inside that band, so the effective rate is always lower than the top band rate. The one exception is Scotland's Additional Dwelling Supplement, which is 8% of the whole price.
Someone who has never owned a home, in the UK or anywhere else, and who will live in the property as their main home. If you buy with someone who has owned a home before, the relief usually does not apply.
Usually when you will own more than one residential property after the purchase and you are not replacing your main home. Purchases under £40,000 are not affected.
In England and Northern Ireland the return and payment are due within 14 days of completion. In Scotland and Wales it is 30 days. Your solicitor normally handles this for you.
Real transactions can involve reliefs, linked purchases or ownership details that a simple calculator does not model. The figure on your completion statement takes priority.
Read the first-time buyer guide → · See the £300,000 example → · Work out your mortgage →