England & Northern Ireland Stamp Duty Land Tax (SDLT)
What a buyer pays at settlement in England & Northern Ireland — the real property transfer tax rate, plus your conveyancing solicitor, inspection and registration, with a calculator that uses England & Northern Ireland's actual bands.
- Stamp Duty Land Tax (SDLT) on £290,000
- £4,500
- First-home relief
- Reduced rates up to £500,000.
Stamp Duty Land Tax (SDLT) bands
Marginal — each rate applies only to the slice of the price within that band.
| Portion of price | Rate on that portion |
|---|---|
| Up to £125,000 | Nil |
| £125,000 – £250,000 | 2% |
| £250,000 – £925,000 | 5% |
| £925,000 – £1,500,000 | 10% |
| Over £1,500,000 | 12% |
Stamp Duty Land Tax (SDLT) in England & Northern Ireland at a glance
What the stamp duty land tax (sdlt) works out to at common United Kingdom home prices, computed from the bands above.
| Home price | Stamp Duty Land Tax (SDLT) | First-home buyer |
|---|---|---|
| £250,000 | £2,500 | £0 |
| £350,000 | £7,500 | £2,500 |
| £500,000 | £15,000 | £10,000 |
| £750,000 | £27,500 | — |
| £1,000,000 | £43,750 | — |
England & Northern Ireland buying-cost calculator
Pre-set to England & Northern Ireland. Adjust your price and deposit.
Estimated upfront costs
£8,050
≈ 2.78% of the price · excludes your deposit
property transfer tax alone
£4,500
the biggest single line
Line-by-line breakdown
How buying costs work in England & Northern Ireland
SDLT applies in England and Northern Ireland. Rates are marginal — you pay each band's rate only on the part of the price that falls in that band. The 0% band reverted to £125,000 on 1 April 2025.
On a £290,000 home, England & Northern Ireland's stamp duty land tax (sdlt) comes to roughly £4,500. On top of that you'll pay your conveyancing solicitor, an inspection and registration — all built into the calculator above.
First-home buyers: First-time buyers pay no SDLT up to £300,000 and 5% on the slice from £300,001–£500,000. Above a £500,000 purchase price the relief is lost and standard rates apply.
Foreign buyers: Additional homes carry a +5% surcharge; non-UK residents pay a further +2%.
Source: Finance Act 2003 — SDLT residential rates, effective 1 April 2025. Official source ↗
Frequently asked questions
How much is Stamp Duty Land Tax (SDLT) in England & Northern Ireland?
On a £290,000 home in England & Northern Ireland, Stamp Duty Land Tax (SDLT) is about £4,500. It's charged on marginal price bands — see the table above — so it changes with your price. SDLT applies in England and Northern Ireland. Rates are marginal — you pay each band's rate only on the part of the price that falls in that band. The 0% band reverted to £125,000 on 1 April 2025.
Do first-home buyers get a break in England & Northern Ireland?
First-time buyers pay no SDLT up to £300,000 and 5% on the slice from £300,001–£500,000. Above a £500,000 purchase price the relief is lost and standard rates apply.
What about foreign buyers in England & Northern Ireland?
Additional homes carry a +5% surcharge; non-UK residents pay a further +2%.
Other uk nations
Closing soon? Get the buyer’s closing-cost checklist
A free, plain-English checklist of every line item to expect at the closing table — plus the occasional note when state rates change. No spam. Unsubscribe anytime. We never share your email.