Property Transaction Calculators
Simplify your property investment decisions with accurate and easy-to-use calculators for SDLT, LBTT, and LTT.
*Our SDLT Calculator has been updated to reflect the new rates effective from 01/04/2025. Our LTT Calculator now includes the changes introduced by the Welsh Government on 10/12/2024, and our LBTT Calculator has been updated to align with the new rates set by the Scottish Government as of 05/12/2024.
The results provided by this Stamp Duty Calculator are for informational purposes only and should not be considered as financial or legal advice. Stamp Duty Land Tax (SDLT), Land and Buildings Transaction Tax (LBTT), and Land Transaction Tax (LTT) may be subject to exemptions, reliefs, or varying rates depending on your specific property transaction and circumstances. The amount you may need to pay will depend on factors unique to your purchase, such as location, property value, and applicable tax laws at the time of the transaction.
Property Transaction Calculators
It is important to work out additional costs that come with your property investment. Whether you are a first-time buyer, beginner or a seasoned investor, it is important to know the exact figures that factor into your overall investment.
If you are wondering how much Stamp Duty, Land and Buildings Transaction Tax or Land Transaction Tax is due on your property investment, Advantage Investment’s easy-to-use Stamp Duty calculator can help you get an accurate figure. Our Stamp Duty calculator will take into consideration your circumstances and provide a cost breakdown for you.
Below we break down the different thresholds and go into greater detail on how each tax works.
What is Stamp Duty?
Stamp Duty Land Tax (SDLT) is a tax on property or land that is purchased for residential and/or investment purposes. This tax is applicable to residents of Northern Ireland and England. In Scotland they have a similar tax called the Lands and Buildings Transaction Tax, and in Wales they have the Land Transaction Tax.
The tax applies to both freehold and leasehold properties. The amount of Stamp Duty you owe depends on the total cost of the property and type of property purchased. The Stamp Duty will apply differently at different thresholds for different buyers. For example, a first-time buyer will not have to pay stamp duty up to a certain amount, while an overseas buyer will have to pay an extra 2% surcharge on their stamp duty charge.
Calculating Stamp Duty Land Tax
In order to understand how much Stamp Duty you need to pay, it is important to understand the thresholds. The current thresholds are:
Property Value | SDLT Rate |
£0 – £250,000 (£425,000 for first-time buyers) | 0% |
£250,001 – £925,000 | 5% |
£925,001 – £1.5M | 10% |
£1.5M + | 12% |
For first-time buyers stamp duty does not need to be paid below £425,000. For purchases between £425,001 to £625,000 have a discounted SDLT rate relief of 5%.
For investors purchasing additional buy-to-let property, the SDLT rate is 5% on top of these rates.
Overseas buyers are required to pay an additional 2% surcharge on top of the rates. For example, a 5% SDLT rate becomes 7% for an overseas investor.
To work out the exact amount of Stamp Duty you will pay, please use our stamp duty calculator.
Calculating Land and Buildings Transaction Tax in Scotland
Stamp Duty does not apply in Scotland, but a similar tax called the Land and Buildings Transaction Tax (LBTT) applies instead. Below are the thresholds for LBTT:
| Property Value | LBTT Rate |
| £0 – £145,000 (£175,000 for first-time buyers) | 0% |
| £145,001 – £250,000 | 2% |
| £250,001 – £325,000 | 5% |
| £325,001 – £750,000 | 10% |
| £750,001 + | 12% |
For buyers purchasing a second property, they will have to pay an Additional Dwelling Supplement (ADS) on top of the LBTT if the property is worth £40,000. ADS is 8% of the purchase price of the property. This applies to second homes, rental property or holiday homes.
Calculating Land Transaction Tax in Wales
Wales also has a slightly different tax system to stamp duty, called the Land Transaction Tax (LTT). The current standard rates for LTT are:
Property Value | LTT Standard Rate |
£0 – £255,000 | 0% |
£225,001 – £400,000 | 6% |
£400,001 – £750,000 | 7.5% |
£750,001 – £1.5M | 10% |
£1.5M + | 12% |
Purchases over £40,000 are usually subject to higher rates of LTT. The higher rates of LTT are:
Property Value | LBTT Higher Rate |
£0 – £180,000 | 5% |
£180,001 – £250,000 | 8.5% |
£250,001 – £400,000 | 10% |
£400,001 – £750,000 | 12.5% |
£750,001 – £1.5M | 15% |
£1.5M + | 17% |
How To Pay Stamp Duty
Buyers have 14 days from completion of their purchase to pay SDLT to HMRC. A Stamp Duty return to HMRC must be submitted to HMRC by either the buyer or via a solicitor. If this is not paid, the buyer may incur a 10% penalty fee. This increases by 10% each year that it is not paid.
Navigate The Property Market With Advantage Investment
Understanding all the additional costs that come with your property investment is important to devising a successful investment strategy. With our Stamp Duty calculator, investors can receive accurate figures to help adjust their overall investment strategy.
If you need any additional information, do not hesitate to get in contact. Advantage Investment offers clients a 360-degree approach to taking care of their property investment needs. Advantage guides clients through their property investment journey and provides round-the-clock care to each client. Take the first steps to securing your financial security today!
