Stamp Duty Calculator
Estimate SDLT for a residential purchase in England.
Enter your purchase price
£
Stamp duty calculator guide for UK homebuyers
WeCovr's stamp duty calculator helps UK homebuyers estimate SDLT, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. 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 is an FCA-authorised insurance broking firm and has 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.
Get your score
Get your free Protection Score
Check how protected you are, spot the biggest gaps, and then decide what to do next.
Answer a few quick questions
See where your biggest protection gaps may be
Move into the right next step if you want help
What you get
A quick view of your current protection position
A clearer idea of where the biggest gaps may be
A direct route to tailored help if you want it