Stamp Duty Calculator
Estimate SDLT for a residential purchase in England.
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Stamp duty calculator guide for UK homebuyers
WeCovr's stamp duty calculator helps UK homebuyers estimate SDLT, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. WeCovr also supports private medical insurance UK planning, while this guide focuses on SDLT basics for England.
What this stamp duty calculator estimates
The calculator estimates SDLT for residential purchases in England, including a first-time buyer option.
It does not include Wales or Scotland equivalents or special reliefs.
Uses current-style banding for England.
Includes first-time buyer relief thresholds.
Provides a quick purchase cost estimate.
First-time buyer relief
If you qualify, relief can reduce or remove SDLT on part of the purchase price. Confirm eligibility before exchanging contracts.
Why WeCovr supports homebuyers
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references HMRC SDLT guidance and government first-time buyer relief rules.
Common SDLT scenarios
| Scenario | Relief | Typical impact | Notes |
|---|---|---|---|
| Standard buyer | None | Banded tax | England only |
| First-time buyer | Yes | Lower SDLT | Eligibility required |
| Additional property | Surcharge | Higher SDLT | See second home |
Related WeCovr resources
FAQs
Does this cover Scotland or Wales?
No. It focuses on England. Scotland uses LBTT and Wales uses LTT.
Is first-time buyer relief automatic?
No. You must meet eligibility criteria and claim it through your conveyancer.
Are SDLT rates fixed?
No. Rates and thresholds can change with budgets.
Do I pay SDLT on shared ownership?
Rules vary; your conveyancer will advise on the correct treatment.