Try Our Stamp Duty Calculator: Free & Easy-To-Use in 2025
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- The calculator works by considering your property's market value and the amount of equity you're looking to access, estimating potential Stamp Duty charges.
- Current UK Stamp Duty rates range from 0% to 12% based on the property's purchase price, with a 3% additional charge on second homes or investment properties.
- For individuals over 65 purchasing a property, entering the purchase price into the calculator and applying any relevant reliefs or exemptions will provide the Stamp Duty cost.
- It does include considerations for these schemes, assisting in estimating the financial implications for these types of plans.
- To calculate the duty for a property acquisition, simply enter the purchase price into the calculator to determine the Stamp Duty owed according to the latest UK tax bands.
Looking for a Stamp Duty calculator to use in 2025?
Don’t stress, we’ve got you covered!
Getting a complete picture of the financial implications of buying property is key, and stamp duty is just one of the things to consider.
In This Article, You Will Discover:
Our experienced editorial team has spent hours researching the market to bring you the latest and most relevant information. If you want to understand everything about stamp duty in 2025, we’ve got news for you.
Here’s what we found!
What’s Stamp Duty?
Stamp Duty Land Tax (SDLT) - is a type of tax that’s payable when purchasing property, if the price reaches the £125,000 threshold.
How Much Is Stamp Duty?
Stamp duty ranges from 2% to 13% in the UK.1
The applicable rates depend on the purchase price of your property, as well as whether it’s your first or additional properties.
How’s Stamp Duty Calculated?
Stamp duty is calculated as a percentage of the property purchase price.
The purchase date and whether you have other properties are also considered in the calculation.
To get a more tailored estimate, you can use our stamp duty calculator to determine how much you’d need to pay.
When & How Do I Pay Stamp Duty?
Stamp Duty is payable within 14 days of completing the purchase of your property.
Your solicitor or conveyancer can calculate the amount due and pay on your behalf.
Can I Add Stamp Duty to My Mortgage?
Yes, you can add stamp duty to your mortgage.
However, it’ll have an impact on your loan to value ratio (LTV)2, and it’ll incur interest over the agreement term.
Can You Pay Stamp Duty in Instalments?
No, you can’t pay stamp duty in instalments, unless it’s added to your mortgage.
When it’s added to your mortgage, it increases the amount you borrow and your instalments.
Who Pays Stamp Duty?
Stamp duty is payable by property buyers in England and Northern Ireland who meet the threshold.
This includes overseas buyers, corporate bodies and unnatural persons.
Who Doesn’t Need to Pay Stamp Duty?
Home buyers whose property purchase price doesn’t meet or exceed the £125,000 threshold don’t need to pay stamp duty.
Are There Other Stamp Duty Exemptions?
Yes, there are other stamp duty exemptions.
First-time buyers paying £300,000 or less for a residential property are exempt from stamp duty, as of 2017.3
What Are the Stamp Duty Rates?
The stamp duty rates are as follows:
If you’re buying your first home, no stamp duty is payable for up to £300,000.
Thereafter, a 5% rate is payable from £300,001 to £500,000.
From £925,001 - £1.5 million, 10% is applicable and anything above £1.5 million is 12%.
If you’re buying a single property:
| Property Value | Stamp Duty Rate |
| Up to £125,000 | Zero |
| From £125,001 to £250,000 | 2% |
| From £250,001 to £925,000 | 5% |
| From £925,001 to £1.5 million | 10% |
| Above £1.5 million | 12% |
You can expect to pay 3% more on each of these rates if you own another residential property.4
What’s a Stamp Duty Holiday?
A stamp duty holiday is an adjustment to the rates as a way to provide relief to homeowners.
The stamp duty holiday was introduced as a response to the global pandemic in 20205, but has since been revoked.
The zero rate threshold for standard purchases increased from £125,000 to £500,000, meaning that most first-time buyer transactions did not attract any stamp duty.
How Does Stamp Duty Relief Work?
Stamp duty relief works as a reduction of the tax you pay.
This is generally if property is left to you in a will or transferred because of a divorce or separation.
Stamp Duty Revenue
Stamp duty revenue and tax receipts in the UK amounted to an estimated £14.1 billion6 in 2021/22.
The revenue is used to fund government programmes and activities.
Calculate Your Stamp Duty
To calculate your stamp duty, the key inputs are the applicable rate and property value.
Get a more accurate estimate by using our stamp duty calculator.
How the Calculator Works
The calculator works by using your property value and whether you’re a first-time buyer or buying additional property to calculate the Stamp Duty payable by you.
What Were the Recent Changes to Stamp Duty in England & Northern Ireland?
The recent changes to Stamp Duty in England and Northern Ireland were as a response to the global pandemic.
In July 2020, the threshold was raised from £125,000 to £500,000. In July 2021, it was then reduced to £250,000.7
Now, it’s back to the usual £125,000 threshold.
How to Calculate the New Stamp Duty Rate
To calculate the new stamp duty rate that’s payable by you, you need to know the property value.
You can then use the applicable rate, based on whether you’re a first-time buyer or purchasing additional property.
Stamp Duty Calculator 2025
Use our stamp duty calculator to find out how much you’ll pay in 2025.
How Can I Claim Back the Stamp Duty Surcharge After Buying a Second Property?
To claim back the stamp duty surcharge, you don’t have to use an accountant or solicitor.
You can apply online or complete the form and send it to the HMRC.
What Information Will I Need to Claim Back the Stamp Duty Surcharge?
To claim back the stamp duty surcharge, you’ll need the following information:
- Your name and address.
- Details of the property with the higher Stamp Duty rates, including date of purchase, and SDLT unique transaction reference number.
- Details of the home you’ve sold, including date of sale, address of the property, and name of the buyer.
- Amount of tax paid on the property with the higher Stamp Duty rates.
- How much tax you’re asking for a repayment of.
- Bank account and sort code details of the person to receive the payment.
How Long Does It Take To Receive the Refund?
It takes approximately 15 working days for you to receive the refund.
Common Questions
How Does the Stamp Duty Calculator Work for Equity Release in the UK?
What Are the Current Stamp Duty Rates in the UK?
How Can I Calculate Stamp Duty for Property Purchase After 65?
Does the Stamp Duty Calculator Include Equity Release Schemes?
How Can I Use a Stamp Duty Calculator for My Home Purchase?
What’s Stamp Duty Land Tax (SDLT)?
What Happens With Stamp Duty if I’m Buying a New Home and Have Not Sold My Current One?
How Does Stamp Duty Work for Leasehold Properties?
Do You Have to Pay Stamp Duty Every Time You Move?
How Much Are Stamp Duty Fees?
How Can You Avoid Stamp Duty?
Is Stamp Duty Based on Purchase Price or Valuation?
Is Stamp Duty Included in Mortgage?
Who’s Exempt From Stamp Duty?
Can You Gift a Property to Avoid Stamp Duty?
Do First-Time Buyers Pay Stamp Duty?
Why Do We Pay Stamp Duty?
In Conclusion
If you’re looking to purchase property in the UK, familiarising yourself with the relevant stamp duty rates is in your best interest.
Fortunately, there are some relief measures that you can take advantage of if you’re looking to reduce or avoid paying Stamp Duty.
To get an indication of how much you’d pay for your property in 2025, use our stamp duty calculator.