How UK Stamp Duty Works (SDLT / LBTT / LTT) — 2026 Guide
In the UK, property purchase tax depends on where the property is located: SDLT (England & Northern Ireland), LBTT (Scotland), and LTT (Wales). Each uses banded rates where you pay a percentage on the portion of the price that falls into each band — not the full amount at one rate.
1) Choose the correct region
- England & Northern Ireland: SDLT with first-time buyer relief (eligible cases) and higher rates for additional properties.
- Scotland: LBTT, and additional properties may also pay ADS.
- Wales: LTT, with separate higher residential rates for additional properties.
2) Buyer type matters
Buyer type can significantly change the total tax. For example, additional properties often attract higher rates. If you’re planning a mortgage, you can estimate affordability using our Mortgage Calculator and Loan Calculator.
Frequently Asked Questions
1) Is this calculator exact?
It’s a strong estimate using published bands and common scenarios. Some reliefs, exceptions, or special cases may change the final amount.
2) Do you include additional property surcharges?
Yes. For England & NI we apply higher rates for additional properties. For Scotland we show ADS separately, and for Wales we use the higher residential rate table.
3) Can first-time buyers reduce stamp duty everywhere in the UK?
No. First-time buyer relief depends on the region and current rules. Wales does not generally offer first-time buyer relief.
4) What currency is used?
GBP (£). If you’re converting from another currency, try our Currency Converter.
5) Can I export the result?
Yes. Use the Download buttons to save a TXT report or a CSV file that opens in Excel.