Stamp Duty

First-Time Buyer Stamp Duty Calculator

If you are buying your first home in England or Northern Ireland, you may qualify for First-Time Buyers' Relief, which reduces the Stamp Duty you pay. This page explains how the relief works and shows worked examples using the same calculation engine as the full Stamp Duty Calculator.

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Enter your own purchase price and buyer status for a precise result.

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What First-Time Buyers' Relief is

First-Time Buyers' Relief reduces the Stamp Duty Land Tax due on a qualifying first home purchase in England or Northern Ireland. You pay no Stamp Duty on the first £300,000.00 of the price, and 5% on the portion from £300,001.00 up to £500,000.00.

This calculator does not determine whether you are legally eligible for the relief. Eligibility depends on your own and any joint buyers' circumstances, such as never having owned a residential property anywhere in the world before.

Qualifying purchase price rules

The relief only applies to purchases of £500,000.00 or less. Within that limit, the first £300,000.00 is charged at 0%, and the remainder up to £500,000.00 is charged at 5%.

What happens above £500,000

If the purchase price is over £500,000.00, First-Time Buyers' Relief is not available at all. Standard residential Stamp Duty rates apply to the whole purchase price, not only to the amount above the limit.

Worked first-time buyer examples

Property price	Treatment applied	Estimated SDLT
£250,000.00	First-Time Buyers' Relief	£0.00
£350,000.00	First-Time Buyers' Relief	£2,500.00
£450,000.00	First-Time Buyers' Relief	£7,500.00
£500,000.00	First-Time Buyers' Relief	£10,000.00
£550,000.00	Standard rates (relief unavailable above £500,000)	£17,500.00

For a detailed band-by-band breakdown of any of these figures, use the full Stamp Duty Calculator.

Buying with a mortgage

Most first-time buyers use a mortgage alongside their deposit. Stamp Duty is separate from your mortgage and is due in addition to your deposit and any fees, so it is worth including in your overall budget.

Frequently asked questions

What is First-Time Buyers' Relief?

A reduction in Stamp Duty Land Tax for qualifying first-time buyers, giving 0% on the first £300,000 of a property price and 5% on the portion from £300,001 up to £500,000.

Do first-time buyers pay Stamp Duty?

Only on the portion of the price above £300,000, up to £500,000. Above £500,000, the relief does not apply and standard rates are charged on the whole price.

What happens if a first-time buyer property costs more than £500,000?

First-Time Buyers' Relief is not available. Standard residential Stamp Duty rates apply to the entire purchase price, not just the amount above £500,000.

How much Stamp Duty is due on a £450,000 first-time buyer purchase?

An estimated £7,500: no Stamp Duty on the first £300,000, and 5% on the remaining £150,000.

Does this page decide if I am eligible for First-Time Buyers' Relief?

No. Eligibility depends on your own circumstances, such as never having owned a residential property before, and those of anyone you are buying with. Check GOV.UK guidance or seek professional advice if you are unsure.

Last reviewed

Reviewed 11 August 2026

This is an estimate for general guidance only and is not financial or legal advice. It does not determine eligibility for any relief, exception or refund. Use the full Stamp Duty Calculator for your own figures.