Stamp Duty on £125,000 House (2026/27) — England & NI SDLT Calculator

Purchasing a £125,000 residential property in England or Northern Ireland incurs £0 for a Standard Home Mover (0.00% effective tax rate), £0 for an eligible First-Time Buyer, or £6,250 with the +5% Additional Property / Buy-to-Let surcharge.

UK Buyer Category (2026/27)	Total SDLT Due	Effective Tax Rate
Standard Home Mover	£0	0.00%
First-Time Buyer (Relief up to £500k)	£0	0.00%
Additional Property / Buy-to-Let (+5%)	£6,250	5.00%

Frequently Asked Questions (2026/27 & 2027/28 UK Rules)

How much is Stamp Duty on a £125,000 house in the UK?

For a £125,000 purchase in England or Northern Ireland in 2026/27, a standard home mover pays £0, an eligible First-Time Buyer pays £0, and an additional property or Buy-to-Let buyer pays £6,250.

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