Stamp Duty by Buyer Type
Same property price, three different SDLT bills depending on buyer type.
Updated May 2026, using HMRC 2026/27 rates and current ONS / gov.uk figures.
Use the calculator above with the FTB and Second Home toggles to compare. Below: typical figures.
Worked examples
£500,000 property: FTB £3,750. Main residence £12,500. Second home £37,500.
£300,000 property: FTB £0. Main residence £2,500. Second home £17,500.
Sources:
HMRC SDLT
· retrieved 2026-05-12.
Frequently asked questions
How much does the FTB relief save?
On a £450,000 purchase: standard SDLT £10,000; FTB SDLT £1,250. £8,750 saving.
When does the second-home surcharge apply?
If you'll own more than one residential property at the end of the day of completion (and the new one isn't replacing your main residence).