UK Stamp Duty Land Tax (SDLT) Calculator (2026/2027)
Calculate exact UK property Stamp Duty tax including First-Time Buyer relief, +5% BTL surcharge, and +2% Overseas Buyer surcharge.
£450,000
£100,000£1,000,000£2,000,000+
Stamp Duty Summary
Property Purchase Price:£450,000
Standard Band Base SDLT:£10,000
Surcharges (7.000000000000001%):+£31,500
Effective SDLT Tax Rate:9.22%
Total Stamp Duty Due (SDLT)
£41,500
Payment Deadline:Within 14 Days of Completion
Real-Time Mathematical Audit
Live Step-by-Step Stamp Duty (SDLT) Walkthrough
Line-by-line proof of your exact SDLT calculation for £450,000 purchase price.
Step 1: Property Purchase BasePurchase Base
Purchase Price: £450,000
Buyer Status: Additional Property / BTL
Step 2: Base Band Calculation£10,000 Base
£0 to £250k (0%): £0
£250k to £925k (5%): £10,000
Base SDLT Liability: £10,000
💡 Progressive tax bands applied under statutory HMRC rules.
Step 3: Statutory Surcharges+7.000000000000001% Surcharge
BTL / Additional Property (+5%): +£22,500
Non-UK Resident Overseas (+2%): +£9,000
Total Surcharges Paid: +£31,500
Step 4: Final SDLT BillSDLT Verified
Total Stamp Duty (SDLT) Due: £41,500
Effective SDLT Rate: 9.22%
💡 Must be paid to HMRC within 14 days of property completion.
UK Stamp Duty Land Tax (SDLT) Rates (2026/2027)
| Property Price Band | Standard Main Residence | First-Time Buyer Relief | Additional Property (+5% Surcharge) |
|---|---|---|---|
| Up to £250,000 | 0% | 0% (up to £425,000) | 5% |
| £250,001 – £925,000 | 5% | 5% (£425k-£625k) | 10% |
Knowledge Base
Frequently Asked Questions (Stamp Duty SDLT)
For main residential property purchases, standard SDLT bands are: £0 to £250,000 = 0%, £250,001 to £925,000 = 5%, £925,001 to £1,500,000 = 10%, and over £1,500,000 = 12%.
ADVAQ UK Chartered Tax Advisory
Need UK Stamp Duty Advisory & Overseas Buyer Relief?
Our UK property tax team advises on SDLT surcharges, First-Time Buyer relief eligibility, and multi-property tax structuring.