Stamp Duty on £500,000 House (2026/27) — England & NI SDLT Calculator
Purchasing a £500,000 residential property in England or Northern Ireland incurs £15,000 for a Standard Home Mover (3.00% effective tax rate), £10,000 for an eligible First-Time Buyer, or £40,000 with the +5% Additional Property / Buy-to-Let surcharge.
| UK Buyer Category (2026/27) | Total SDLT Due | Effective Tax Rate |
|---|---|---|
| Standard Home Mover | £15,000 | 3.00% |
| First-Time Buyer (Relief up to £500k) | £10,000 | 2.00% |
| Additional Property / Buy-to-Let (+5%) | £40,000 | 8.00% |