Stamp Duty on £425,000 House (2026/27) — England & NI SDLT Calculator
Purchasing a £425,000 residential property in England or Northern Ireland incurs £11,250 for a Standard Home Mover (2.65% effective tax rate), £6,250 for an eligible First-Time Buyer, or £32,500 with the +5% Additional Property / Buy-to-Let surcharge.
| UK Buyer Category (2026/27) | Total SDLT Due | Effective Tax Rate |
|---|---|---|
| Standard Home Mover | £11,250 | 2.65% |
| First-Time Buyer (Relief up to £500k) | £6,250 | 1.47% |
| Additional Property / Buy-to-Let (+5%) | £32,500 | 7.65% |