Stamp Duty on £400,000 House (2026/27) — England & NI SDLT Calculator
Purchasing a £400,000 residential property in England or Northern Ireland incurs £10,000 for a Standard Home Mover (2.50% effective tax rate), £5,000 for an eligible First-Time Buyer, or £30,000 with the +5% Additional Property / Buy-to-Let surcharge.
| UK Buyer Category (2026/27) | Total SDLT Due | Effective Tax Rate |
|---|---|---|
| Standard Home Mover | £10,000 | 2.50% |
| First-Time Buyer (Relief up to £500k) | £5,000 | 1.25% |
| Additional Property / Buy-to-Let (+5%) | £30,000 | 7.50% |