Stamp Duty Land Tax, all three buyer types.
First-time buyer relief, standard purchase, or 3% additional-property surcharge. See the band breakdown.
SDLT payable£12,500On a £450,000 purchase
- Property price£450,000.00
- 0% bandFirst £125,000£0.00
- 2% band£125,000 × 2%£2,500.00
- 5% band£200,000 × 5%£10,000.00
- Total Stamp Duty Land TaxEffective rate: 2.78%£12,500.00
England & Northern Ireland only. Wales uses LTT; Scotland uses LBTT. From 1 April 2025: 0% nil-rate £125,000 (FTB £300,000), 2% band £125k–£250k. Additional property surcharge 5% (was 3% pre-31 Oct 2024).
Personal allowance £12,570Higher-rate threshold £50,270Additional-rate threshold £125,140Dividend allowance £500NI primary threshold £12,570Class 1 NI 8% / 2%Pension annual allowance £60,000ISA allowance £20,000Capital Gains AEA £3,000VAT registration threshold £90,000Personal allowance £12,570Higher-rate threshold £50,270Additional-rate threshold £125,140Dividend allowance £500NI primary threshold £12,570Class 1 NI 8% / 2%Pension annual allowance £60,000ISA allowance £20,000Capital Gains AEA £3,000VAT registration threshold £90,000
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