--- title: "Stamp Duty Calculator UK 2026 + Total Cost of Buying a Home | First Rung Now" description: "Free UK Stamp Duty (SDLT) calculator for 2026 plus total home-buying costs — conveyancing, survey, mortgage & moving fees. Free UK mortgage broker quote." lang: en-GB json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com", "description": "Independent UK mortgage education and broker matching service.", "address": { "@type": "PostalAddress", "addressCountry": "GB" } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "First Rung Now", "url": "https://firstrungnow.com" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What are the current UK Stamp Duty thresholds?", "acceptedAnswer": { "@type": "Answer", "text": "From April 2025 (England & NI): 0% up to £125k, 2% to £250k, 5% to £925k, 10% to £1.5m, 12% above. FTB relief: 0% up to £300k, 5% £300k–£500k (max £500k purchase price)." } }, { "@type": "Question", "name": "How much does buying a house cost in total (upfront)?", "acceptedAnswer": { "@type": "Answer", "text": "Beyond the deposit, expect £3,000–£6,000 in fees for a typical purchase (conveyancing, survey, product fee, valuation, removals) — plus Stamp Duty if applicable." } }, { "@type": "Question", "name": "Is Stamp Duty different in Scotland and Wales?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Scotland uses LBTT (0% to £145k, then banded); Wales uses LTT (0% to £225k, then banded). Only England & NI use SDLT." } }, { "@type": "Question", "name": "Do I pay the 3% Stamp Duty surcharge on a second home?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — an extra 5% (raised from 3% in October 2024) on the whole price if you own another residential property anywhere in the world at completion." } }, { "@type": "Question", "name": "Can I add Stamp Duty to my UK mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "No — SDLT must be paid within 14 days of completion from your own funds. You can only borrow against the property, not the tax bill, unless you increase the loan and complete with more cash." } }, { "@type": "Question", "name": "Do first-time buyers pay Stamp Duty in the UK?", "acceptedAnswer": { "@type": "Answer", "text": "In England & NI, no SDLT on the first £300,000 of purchases up to £500,000. Above £500,000 the full standard rates apply — the relief is lost entirely." } }, { "@type": "Question", "name": "How much are UK conveyancing fees in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "Typically £1,200–£2,200 including searches and disbursements. Leasehold flats are more expensive; new-build often has developer-preferred rates." } } ] } ] --- [Skip to content](#main) [![First Rung Now](/assets/logo-mark-BqLOgqvj.png) First Rung Now UK Mortgage Guides ](/) - Mortgages - Remortgages - Buy To Let - Bad Credit - Calculators - Guides - [Find a Broker](/find-a-mortgage-broker) - [About](/about) [Speak to a Vetted Broker](/find-a-mortgage-broker) 1. [Home](/) 2. [Calculators](/calculators) 3. Costs & Stamp Duty Costs & Stamp Duty Calculators # Stamp Duty & total home buying cost calculators Stamp Duty is just one line on a purchase. Add conveyancing, survey, product fees, valuation, mortgage broker fees and moving to see your true upfront cost. ## Stamp Duty & total upfront cost calculator Enter your figures, then add your name and phone to reveal the result. Free, no credit check. Property price (£) First-time buyer Additional property / BTL Get your result & a free broker sense-check Add your name and phone (required) — we'll show your figures and optionally match you with a vetted FCA-regulated broker. No spam, no credit checks. Your name \* Phone number \* Email (optional) I'd like to be matched with a vetted broker for a free, no-obligation chat. Untick if you only want the calculation. Show my result By submitting you agree to our [Privacy Policy](/privacy-policy). ## More costs & stamp duty calculators ### Stamp Duty calculator SDLT bands (2025/26) for England & NI. First-time buyer relief and 5% BTL surcharge included. [Ask a broker to run this](/find-a-mortgage-broker) ### Mortgage fees calculator Product fee, booking fee, valuation, CHAPS, exit fee. [Ask a broker to run this](/find-a-mortgage-broker) ### Total home buying cost calculator Deposit + SDLT + conveyancing + survey + fees + removals = day-one cash out. [Ask a broker to run this](/find-a-mortgage-broker) ### Mortgage interest calculator Total interest paid over the term at your rate. [Ask a broker to run this](/find-a-mortgage-broker) ### Total mortgage cost calculator Loan + interest + fees over the full term. [Ask a broker to run this](/find-a-mortgage-broker) ### Cost of moving calculator Removals, storage, cleaning, utility set-up, mail redirect. [Ask a broker to run this](/find-a-mortgage-broker) ### Solicitor cost calculator Legal fees + disbursements (searches, ID, Land Registry). [Ask a broker to run this](/find-a-mortgage-broker) ### Conveyancing calculator Fixed-fee vs. hourly estimate; freehold vs. leasehold uplift. [Ask a broker to run this](/find-a-mortgage-broker) Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day. ## Frequently asked questions ### What are the current UK Stamp Duty thresholds? From April 2025 (England & NI): 0% up to £125k, 2% to £250k, 5% to £925k, 10% to £1.5m, 12% above. FTB relief: 0% up to £300k, 5% £300k–£500k (max £500k purchase price). ### How much does buying a house cost in total (upfront)? Beyond the deposit, expect £3,000–£6,000 in fees for a typical purchase (conveyancing, survey, product fee, valuation, removals) — plus Stamp Duty if applicable. ### Is Stamp Duty different in Scotland and Wales? Yes. Scotland uses LBTT (0% to £145k, then banded); Wales uses LTT (0% to £225k, then banded). Only England & NI use SDLT. ### Do I pay the 3% Stamp Duty surcharge on a second home? Yes — an extra 5% (raised from 3% in October 2024) on the whole price if you own another residential property anywhere in the world at completion. ### Can I add Stamp Duty to my UK mortgage? No — SDLT must be paid within 14 days of completion from your own funds. You can only borrow against the property, not the tax bill, unless you increase the loan and complete with more cash. ### Do first-time buyers pay Stamp Duty in the UK? In England & NI, no SDLT on the first £300,000 of purchases up to £500,000. Above £500,000 the full standard rates apply — the relief is lost entirely. ### How much are UK conveyancing fees in 2026? Typically £1,200–£2,200 including searches and disbursements. Leasehold flats are more expensive; new-build often has developer-preferred rates. Why we ask for your details Calculators are educational. 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