Enter a property price above to compare SDLT across all buyer types.
Why Compare SDLT Across Buyer Types?
Stamp Duty Land Tax varies significantly depending on your circumstances. A first-time buyer, a landlord purchasing a buy-to-let, and an overseas investor will each pay very different amounts of tax on the same property. Understanding these differences is essential for accurate budgeting and informed decision-making.
First-time buyers can save thousands
First-time buyer relief provides a significant reduction in SDLT for purchases up to £500,000. On a £400,000 property, a first-time buyer pays £5,000 compared to £7,500 under standard rates — a saving of £2,500. This tool makes it easy to see exactly how much you could save.
Surcharges add up quickly
The 5% additional property surcharge and 2% non-resident surcharge are applied on top of standard rates across every band. For a £500,000 property, the additional property surcharge alone adds £25,000 to the tax bill. When both surcharges apply, the combined 7% uplift can make a material difference to the total cost of acquisition.
Company purchases have their own rules
Companies purchasing residential property above £500,000 face a flat 17% rate on the entire price. Below that threshold, they pay the additional property surcharge rates. Comparing these against individual purchase options helps determine the most tax-efficient structure for property acquisitions.
Commercial rates are the same for everyone
Commercial and mixed-use properties are taxed at the same rates regardless of buyer type, with no surcharges applicable. The comparison tool clearly shows this — when you select commercial or mixed-use, all buyer types produce the same SDLT figure.