Couples stamp duty checker

England and Northern Ireland only. Scotland uses LBTT and Wales uses LTT; the rates are different.

Purchase price

Your situationI'm a first-time buyerYou've never owned or part-owned a home anywhere in the world, including inherited shares.I already own a property worth £40,000 or moreAnywhere in the world. Includes buy-to-lets and a share of a family home.I'm married or in a civil partnershipLiving together. Permanent separation by court order or deed is treated differently.My husband, wife or civil partner owns a property worth £40,000 or moreThis is the one people miss. It counts even if their name won't be on your purchase.I'm buying with someone else who owns a propertyIf any buyer owns another property, the higher rate applies to the whole purchase.We're selling our previous main homeSold on or before completion day, and you're moving into the new one. Sell within 36 months of completing and you can reclaim the surcharge.I've spent under 183 days in the UK in the last 12 monthsThat makes you non-resident for stamp duty. Adds 2% on top of everything else.

Your stamp duty bill

£5,000

First-time buyer rates.

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Save your £5,000 result and get the couples stamp duty checklist

Nine checks, from before you offer to after you complete, ticked off on your phone. Your £400,000 price goes onto your plan, so every other cost, your Ready Score and the month you could buy all use it.

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An estimate, not tax advice. Stamp duty gets complicated fast: trusts, shared ownership, mixed-use property, inherited shares, linked purchases and permanent separation all change the answer. Confirm your figure with your conveyancer before you exchange, and check HMRC's own calculator. Rates: standard, first-time buyer and higher-rate bands from 1 April 2025; the 5% additional-property surcharge since 31 October 2024; the 2% non-resident surcharge since 1 April 2021. Source: GOV.UK, checked July 2026. Returns and payment are due within 14 days of completion.

Read the guide: marriage and stamp duty. General information, not advice. Powered by BrickzWithTipz.

The Homebuyers Club

This is one step. There are about forty.

Nobody warned you about this one and it costs five figures. The rest of the buying process is full of them. The Homebuyers Club walks you through every step, with your own numbers, so you find out before it costs you rather than after.

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What you'll actually pay

Save your £5,000 result and get the couples stamp duty checklist

This is one step. There are about forty.