... First-Time Buyer Stamp Duty Calculator UK 2025/26 — SDLT Relief
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Free · 2025/26 · England & NI

First-Time Buyer Stamp Duty Calculator 2025/26

FTB relief up to £500k0% on first £425kStandard vs FTB comparisonApril 2025 thresholds

Calculate exactly how much stamp duty (SDLT) you’ll pay as a first-time buyer in England or Northern Ireland, see how much you save versus a standard purchaser, and understand what happens if your property exceeds the £500,000 relief limit.

First-Time Buyer SDLT Calculator
2025/26
£
All buyers on the purchase must be first-time buyers

First-time buyer stamp duty relief 2025/26

From April 2025, first-time buyers in England and Northern Ireland pay 0% SDLT on the first £425,000 of the purchase price, and 5% on the portion between £425,001 and £500,000. If the property costs more than £500,000, FTB relief is withdrawn entirely and standard rates apply.

Before April 2025, the temporary threshold was different — the current permanent rates are £425k (0%) and £500k (limit). The relief applies to the entire transaction, not just the individual buyer’s share.

FTB SDLT Rates 2025/26 (England & NI)

£0–£425,000: 0% · £425,001–£500,000: 5% · Above £500,000: Standard rates apply — relief lost entirely. Standard rates: 0% to £250k, 5% to £925k, 10% to £1.5m, 12% above £1.5m.

Frequently asked questions

What counts as a “first-time buyer”?
You’re a first-time buyer if you’ve never owned a freehold or leasehold residential property — whether in the UK or abroad — either alone or jointly. You must intend to occupy the property as your main residence. If buying jointly, every buyer must be a first-time buyer for relief to apply. Inheriting a property can disqualify you even if you never lived in it or chose to inherit.
Does the £500k limit apply to the whole property or each buyer’s share?
The £500,000 limit applies to the total purchase price of the property, not to each buyer’s individual share. So two first-time buyers purchasing a £600,000 property together cannot claim FTB relief — they pay full standard SDLT rates. This is one of the harshest aspects of the relief, since it cuts out completely at £500,001 rather than tapering.
Does first-time buyer relief apply in Scotland and Wales?
Scotland has its own first-time buyer relief under LBTT, providing 0% on the first £175,000 (standard threshold is £145,000). Wales does not have a specific FTB relief under LTT — standard rates apply. This calculator covers England and Northern Ireland only. Use the Scottish or Welsh government calculators for LBTT and LTT.

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