Everyday Tool
First-Time Buyer Stamp Duty Calculator
Estimate Stamp Duty Land Tax for a first-time buyer in England, see the relief saving, and compare the result with standard or additional-property SDLT rates.
England SDLT
Calculate first-time buyer stamp duty
Enter the purchase price and choose the buyer status. The estimate uses the current England residential SDLT bands.
Estimated SDLT
First-time buyer relief is being applied: 0% up to £300,000 and 5% on the portion from £300,001 to £500,000.
Compared with the standard residential SDLT rates for the same purchase price.
What this calculator includes
This calculator focuses on residential Stamp Duty Land Tax in England. It is designed for buyers who want a quick estimate before working through a fuller moving budget.
First-time buyer relief is applied when the purchase price is £500,000 or less. If the property costs more than £500,000, the calculator falls back to standard residential rates because the relief no longer applies.
For a full purchase budget, including legal fees, searches, survey costs, mortgage fees, removals, insurance, and contingency, use the Moving House Cost Calculator.
When to double-check the result
- You are buying in Scotland or Wales, where different property taxes apply.
- You are not a UK resident for SDLT purposes.
- You are buying through a company, trust, or unusual ownership structure.
- You are buying a shared ownership property or a new leasehold property.
- You are unsure whether every buyer qualifies as a first-time buyer.
First-time buyer guide
Understand how first-time buyer SDLT relief works
The guide explains the current thresholds, the £500,000 relief limit, common edge cases, and how Stamp Duty fits into the wider cost of buying your first home.
First-time buyer Stamp Duty FAQ
How much Stamp Duty does a first-time buyer pay?
In England, a first-time buyer usually pays 0% on the first £300,000 and 5% on the portion from £300,001 to £500,000. Above £500,000, first-time buyer relief is not available.
Does every buyer need to be a first-time buyer?
Yes. If you are buying with someone else, everyone buying the property normally needs to qualify as a first-time buyer for the relief to apply.
Does this calculator work for Scotland or Wales?
No. This calculator estimates England SDLT. Scotland and Wales use different property tax systems, so you should use the relevant official guidance there.
Useful next checks
Once you know the estimated SDLT bill, check how much cash you may need for the rest of the purchase. Stamp Duty is only one part of the upfront cost of buying.
First-time buyers should also budget for conveyancing, searches, survey costs, mortgage fees, insurance, removals, and a small contingency for costs that appear late in the process.
Related tools
Home Move Cost Planner
Estimate buying, selling, and moving costs with deposit, England SDLT, fees, and a practical total.
Mortgage Overpayment Calculator
Calculate how much interest and time you could save by making extra payments.
Personal Budget
Plan household income, shared bills, subscriptions, cars, and leftover money with Person 1, Person 2, and Joint splits.