Updated 15 October 2026
If buying a home means you'll own more than one residential property, you usually pay 5% on top of the standard SDLT rates (gov.uk). The surcharge applies to purchases of £40,000 or more (gov.uk).
| Price | Standard SDLT | With 5% surcharge |
|---|---|---|
| £200,000 | £1,500 | £11,500 |
| £300,000 | £5,000 | £20,000 |
| £400,000 | £10,000 | £30,000 |
You won't pay the extra 5% if the purchase replaces your main residence and you sold the old one within 36 months. If you haven't sold your old home by the day you complete, you pay the higher rates first, but you may be able to claim a refund once it sells (gov.uk).
A further 2% surcharge usually applies on top.
Try the free Stamp Duty calculator or get the £7 Home Buying & Moving Planner.
Rates checked on 15 October 2026 against official sources: gov.uk SDLT residential rates · HMRC SDLT calculator.
General information only, not tax, legal or financial advice. Our liability is capped at the price paid, as far as the law allows. Your statutory rights are not affected. See the terms of sale. · All Kept Sheets