Stamp Duty Calculator
Estimate how much Stamp Duty Land Tax (SDLT) you may need to pay when buying a property in England or Northern Ireland.
Understanding Stamp Duty Land Tax (SDLT)
Stamp Duty Land Tax (SDLT) is a government levy payable on property purchases in England and Northern Ireland. While online calculators such as ours offer a useful guide, SDLT can become complex depending on the nature of the transaction.
When Does SDLT Differ?
SDLT isn’t always straightforward. It may differ based on factors such as:
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Second homes or additional properties – subject to an additional 5% surcharge.
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Buy-to-let investments – usually incur higher rates.
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Mixed-use properties – may benefit from lower commercial SDLT rates.
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Transfers between connected parties – such as family members or trusts, can be treated differently.
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Company purchases – including purchases made through limited companies or corporate wrappers.
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Leasehold transactions – which may involve additional charges depending on premium and rent.
Each of these scenarios can change the SDLT liability significantly, and in some cases, there may be opportunities for relief or restructuring to reduce the tax payable.
Professional SDLT Advice
While our SDLT calculator provides a helpful indication, it should be used as a guide only. For anything beyond a standard residential purchase, specialist SDLT advice is essential.
We recommend consulting a tax advisor who specialises in property transactions.
Disclaimer
The SDLT calculator on this site is provided for illustrative purposes only. It does not constitute tax advice.
ERG Finance strongly recommends seeking guidance from a qualified tax advisor before making any property purchase decisions, particularly where reliefs, surcharges, or complex ownership structures may apply.
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This tool provides general estimates and does not constitute financial advice.
For a personalised mortgage assessment, please contact us.
ERG Private Finance Ltd - trading as ERG Finance is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.