Stamp duty when buying together
If one of you has owned before, you both lose first-time buyer relief. See what you would pay in England, and what relief would be worth. Free, nothing saved.
England only: residential, bought by individuals who are UK resident, freehold or leasehold price (no lease rent). Rates checked on 1 October 2026 against GOV.UK.
Your stamp duty
First-time buyer relief: yes
Neither of you has owned a home before and the price is within the limit, so you can claim it if you both plan to live there as your main home.
Higher rates for another home: no
You are not keeping another home, so the normal rates apply.
Band by band
First-time buyer rates.
| Part of the price | Rate | Tax |
|---|---|---|
| £0 to £300,000 | 0% | £0 |
| £300,000 to £325,000 | 5% | £1,250 |
| Total, rounded down to the pound | £1,250 |
First-time buyer relief makes a difference of £5,000: £6,250 at standard rates, £1,250 with relief.
General information for England, not legal advice.
Buying in Wales or Scotland?
Wales has Land Transaction Tax, with different rates, so this calculator does not cover it. The Welsh Revenue Authority has the current rates and a calculator. In Scotland it is Land and Buildings Transaction Tax, run by Revenue Scotland.
The rates this calculator uses
Stamp Duty Land Tax in England, for homes bought by individuals. Rates checked on 1 October 2026 against GOV.UK residential rates and GOV.UK higher rates for additional homes. These are the rates from 1 April 2025, as published on GOV.UK on the date above.
Standard rates
- Up to £125,0000%
- £125,000 to £250,0002%
- £250,000 to £925,0005%
- £925,000 to £1,500,00010%
- Above £1,500,00012%
First-time buyer rates (both of you first-time buyers, price up to £500,000)
- Up to £300,0000%
- £300,000 to £500,0005%
Another home
Add 5 percentage points to every band if either of you will still own another home worth £40,000 or more after this purchase, and the price is £40,000 or more.
Buying together? Read on
Questions people ask
Do we both lose first-time buyer relief if only one of us has owned a home?
Yes. GOV.UK says you can claim it only if you and anyone else you are buying with are first-time buyers. If one of you has owned a home before, anywhere in the world, you both lose it and the normal rates apply.
Does 'owned before' include a home abroad or one we no longer own?
The question is whether you have ever owned a home, so a home you sold, or one outside the UK, counts. This calculator asks about each of you separately so you can see who the answer turns on.
What is the extra charge for owning another home?
If either of you will still own another home, or a share of one, worth £40,000 or more anywhere in the world at the end of the day you buy, 5 percentage points are added to every band, for the whole purchase. If you sell your old main home before or on the day you complete, the higher rates usually don't apply. If you sell it within 3 years after, you may be able to claim a refund of the extra. GOV.UK explains the conditions.
Is there a limit on first-time buyer relief?
Yes. Relief is for homes up to £500,000, and you must both plan to live there as your main home. Above that price you cannot claim it at all, so you pay the standard rates on the whole price.
What about Wales and Scotland?
This calculator is for England only. Wales has Land Transaction Tax, with different rates, run by the Welsh Revenue Authority. Scotland has Land and Buildings Transaction Tax, run by Revenue Scotland. We do not calculate either.
Is my information saved or sent anywhere?
No. The sums happen in your browser. Nothing you type is saved or sent to us. It is general information, not legal advice.