First-Time Buyer Stamp Duty Calculator 2025
Calculate your SDLT savings with first-time buyer relief
Calculate Your Stamp Duty
First-Time Buyer Relief
As a first-time buyer in England or Northern Ireland, you pay no stamp duty on the first £425,000 of your property purchase. You only pay 5% on the portion between £425,001 and £625,000.
- Maximum saving: £11,250 compared to standard rates
- Price limit: Properties over £625,000 don't qualify
- Joint purchases: Both buyers must be first-time buyers
How Much Could You Save?
| Property Price | Standard SDLT | FTB Rate | You Save |
|---|---|---|---|
| £300,000 | £2,500 | £0 | £2,500 |
| £400,000 | £7,500 | £0 | £7,500 |
| £425,000 | £8,750 | £0 | £8,750 |
| £500,000 | £12,500 | £3,750 | £8,750 |
| £625,000 | £18,750 | £10,000 | £8,750 |
Note: Properties over £625,000 do not qualify for first-time buyer relief and pay standard rates.
First-Time Buyer vs Standard Rates
First-Time Buyer Rates
| Band | Rate |
|---|---|
| Up to £425,000 | 0% |
| £425,001 to £625,000 | 5% |
Applies to properties up to £625,000 only
Standard Rates
| Band | Rate |
|---|---|
| Up to £250,000 | 0% |
| £250,001 to £925,000 | 5% |
| £925,001 to £1.5m | 10% |
| Over £1.5m | 12% |
Applies if you don't qualify for FTB relief
Example Calculations
Calculation Breakdown
England & NI (SDLT) • First-Time Buyer
Property Price
£450,000
Up to £425,000
on £425,000
£0
£425,001 to £625,000
on £25,000
£1,250
Total Tax Due
£1,250
Effective rate: 0.28%
Calculation Breakdown
England & NI (SDLT) • First-Time Buyer
Property Price
£600,000
Up to £425,000
on £425,000
£0
£425,001 to £625,000
on £175,000
£8,750
Total Tax Due
£8,750
Effective rate: 1.46%
Do You Qualify for First-Time Buyer Relief?
Check all that apply to confirm your eligibility:
If all boxes are checked, you likely qualify for first-time buyer relief. Always confirm with a solicitor.
First-Time Buyer Relief by Region
England & NI
- • £0 tax up to £425,000
- • 5% on £425,001-£625,000
- • Max price: £625,000
- • Max saving: £11,250
Scotland
- • £0 tax up to £175,000
- • Standard LBTT above
- • No max price limit
- • Max saving: £600
Wales
- • No FTB relief
- • Standard LTT rates apply
- • Same as other buyers
- • £0 saving
First-Time Buyer Stamp Duty Relief Explained
The UK government introduced first-time buyer stamp duty relief to help people get onto the property ladder. If you've never owned property before and you're buying your first home, you could save up to £11,250 in stamp duty compared to standard rates.
How the Relief Works
In England and Northern Ireland, first-time buyers pay no Stamp Duty Land Tax (SDLT) on the first £425,000 of a property purchase. If the property costs between £425,001 and £625,000, you pay 5% on just the amount above £425,000.
Important: If your property costs more than £625,000, you don't get any first-time buyer relief at all. You pay the full standard rates on the entire purchase price.
Joint Purchases
If you're buying with someone else, both of you must be first-time buyers to claim the relief. If your partner has owned property before (even if they sold it years ago), neither of you can claim the relief.
Properties That Don't Qualify
- Buy-to-let or investment properties
- Properties over £625,000 in England/NI
- Properties in Wales (no FTB relief available)
- Properties you won't live in as your main home