First-Time Buyer Stamp Duty Calculator

Work out SDLT with first-time buyer relief applied. You pay nothing on the first £300,000 and 5% on the portion from £300,001 to £500,000 — but only if the total price is £500,000 or less.

Rates verified June 2026Source: gov.uk

Property purchase price

Enter the total purchase price of the property

Your circumstances

First-time buyer

You and anyone you're buying with have never owned a residential property before.

Additional property

This purchase means you'll own more than one residential property (e.g. buy-to-let, second home).

Non-UK resident

You were not in the UK for at least 183 days in the 12 months before purchase.

Total tax due

£5,000

Effective rate

1.3%

Breakdown by band

Band	Amount	Rate	Tax
Up to £300,000 (first-time buyer)	£300,000	0%	£0
£300,001 – £500,000 (first-time buyer)	£100,000	5%	£5,000
Total			£5,000

Correct as of June 2026 — rates can change. Always confirm on gov.uk.

First-time buyer vs standard rates

Price	Standard SDLT	First-time buyer	Saving
£250,000	£2,500	£0	£2,500
£300,000	£5,000	£0	£5,000
£400,000	£10,000	£5,000	£5,000
£500,000	£15,000	£10,000	£5,000

How first-time buyer relief works

If you and everyone you are buying with have never owned a residential property anywhere in the world, and the purchase price is £500,000 or less, you qualify for first-time buyer relief in England and Northern Ireland.

The relief shifts the nil-rate portion from £125,000 to £300,000. On a £400,000 first home you pay £5,000 instead of £10,000 — a substantial saving when you are already stretching for a deposit.

Who does not qualify

Relief is lost if any buyer has owned before, if the price exceeds £500,000, or if you are buying a non-residential property. Scotland and Wales have their own first-time buyer rules — use our LBTT or LTT calculators for those.

Frequently asked questions

Who counts as a first-time buyer for SDLT relief?

You must never have owned a residential property anywhere in the world, and the same applies to anyone you are buying with. If one buyer has owned before, relief does not apply to the joint purchase.

What is the first-time buyer stamp duty threshold?

Relief applies on purchases up to £500,000. You pay 0% on the first £300,000 and 5% on the portion from £300,001 to £500,000. Above £500,000, no relief applies and standard rates apply to the full price.

Do first-time buyers pay stamp duty on a £250,000 house?

Usually nothing. A £250,000 first home falls entirely within the £300,000 nil-rate portion of first-time buyer relief, so SDLT is £0. Standard buyers would pay £2,500 at that price.

Does shared ownership affect first-time buyer relief?

It can. Relief depends on the full market value and your circumstances. Shared ownership purchases have specific rules — speak to your conveyancer if you are buying a share rather than the whole property.

Related guides

Plain-English explainers with worked examples. All figures are checked against current HMRC and devolved authority guidance.

The £500k cliff edge explainedWhy first-time buyer relief vanishes completely above £500,000.How stamp duty is calculatedBand-by-band breakdown with worked examples.Shared ownership stamp dutyMarket value vs share price — which figure to use.When you pay no stamp dutySituations where SDLT is zero or not due.

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