First-Time Buyer Stamp Duty Calculator (2026)
Calculate Stamp Duty Land Tax (SDLT) relief for first-time buyers in England and Northern Ireland, and calculate your total savings vs standard movers.
United Kingdom Calculator
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Instant Estimate
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First-Time Buyer Stamp Duty
£0
Based on your selected ftb stamp duty calculator assumptions. Try different sliders to compare scenarios.
Standard Mover Stamp Duty
£6,500
First-Time Buyer Relief Savings
£6,500
Effective Tax Rate
0.00%
England & NI Stamp Duty (SDLT) Thresholds:
• First-Time Buyers: 0% tax up to £425,000, 5% on £425,001–£625,000 (temporary relief until 31 March 2025, reverting to £300,000/£500,000 from 1 April 2025).
• Next Home Movers: 0% up to £250,000 (reverting to £125,000 from April 2025), 5% up to £925,000, 10% up to £1.5M, 12% above.
• Additional Property Surcharge: Extra 3% Stamp Duty surcharge applies to second homes and buy-to-let investments.
These calculations are financial projections and planning estimates, not tax, legal or licensed financial advice. HMRC 2025/2026 statutory rates, NI thresholds, and local council rates apply.
How to Use the FTB Stamp Duty Calculator
Enter your initial figures
Input your primary values into the FTB Stamp Duty Calculator using the numeric fields or sliders.
Set your timeframe and rates
Configure interest rates, terms, contribution percentages, or tax assumptions.
Review instant calculations
Review the instant calculation breakdown to evaluate your financial planning scenario.
Formula & Calculation Methodology
SDLT = 0% on first £425,000 (£300k after March 2025), 5% on balance up to maximum thresholdThis calculator uses standard United Kingdom financial formulas, IRS thresholds, and amortization schedules. All results compute instantly in your browser with zero data stored or transmitted.
Calculation Examples & Scenarios
Baseline Planning Scenario
Standard United Kingdom planning inputs with default rates and values.
Key Benefits
- Instant, accurate estimates based on standard United Kingdom financial formulas
- Browser-based calculations with 100% data privacy and no signup required
- Scenario comparison by adjusting variables one at a time
Common Use Cases
- Monthly budgeting and goal planning for United Kingdom residents
- Comparing alternative financial decisions before committing funds
- Understanding the compound effect of rates and time horizons
Planning Guidance for First-Time Buyer Stamp Duty Calculator
When making financial decisions involving ftb stamp duty calculator, having accurate numbers is critical. Small changes in interest rates, contribution schedules, or fee structures can yield significant differences over time.
Use this calculator to test conservative and optimistic scenarios before signing contracts or reallocating investment capital. Review current local guidelines and speak with a qualified advisor for personalized strategies.
Frequently Asked Questions
Under current rules, first-time buyers pay 0% Stamp Duty on properties up to £425,000, and 5% on the portion between £425,001 and £625,000. If the purchase price exceeds £625,000, zero first-time buyer relief applies and standard rates must be paid on the entire amount.
The temporary stamp duty relief enacted in 2022 expires on 31 March 2025. From 1 April 2025, the first-time buyer 0% threshold returns to £300,000 (maximum property cap £500,000), and the standard home-mover nil rate band reverts from £250,000 to £125,000.
To qualify, you (and anyone you are buying jointly with) must have never owned a freehold or long-leasehold residential property anywhere in the world, including inherited properties.
No. Scotland uses Land and Buildings Transaction Tax (LBTT) where first-time buyers have a £175,000 nil-rate threshold. Wales uses Land Transaction Tax (LTT) which does not offer a specific first-time buyer relief band.
Typically no. Stamp Duty is paid directly to HMRC upon completion (within 14 days) and cannot be added to your mortgage loan amount, so you must budget for it alongside your deposit and legal fees.
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