Is this calculator updated for the 2026/27 tax year?

Yes, all calculators are fully updated with the latest HMRC thresholds, personal allowances, and National Insurance rates for 2026/27.

Can I use this for official tax submissions?

These tools are for estimation and illustrative purposes only. For official tax returns, please consult a qualified accountant or reference HMRC directly.

First-Time Buyer Stamp Duty Calculator 2026/27

First-Time Buyer Stamp Duty Calculator

✓ Verified for 2026/27

Property Details

Property Purchase Price

Region (Tax System)

ⓘ

First-time buyers pay no SDLT on the first £300,000 of a purchase up to £500,000. If the purchase price exceeds £500,000, standard SDLT rates apply to the entire price with no relief.

Stamp Duty Payable

£0

SDLT Relief Applied

Amount Saved via Relief

£3,400

compared to standard rate

Effective Tax Rate

0.0%

of purchase price

Total Acquisition Cost

£295,000

price + stamp duty

Cost Breakdown

Property Purchase Price £295,000

Standard Moving Rate Tax £3,400

First-Time Buyer Relief -£3,400

Total Stamp Duty Due £0

Property Price 100%

Stamp Duty 0%

🛡️

Verified for Accuracy (2026/27 Tax Year)

Fact-checked and audited by David Vance, CTA FCA, Chartered Tax Advisor & Accountant. Verified against official HMRC rules.

How We Calculated This

Input variables: Enter the relevant amounts, rates, or percentages in the form.
Real-time breakdown: The calculator applies HMRC rules and thresholds for the 2026/27 tax year to process the values.
Display outputs: The visual graphs, donut charts, and tables are compiled dynamically to show your net take-home and deductions.

Real-World Examples

Standard Scenario

A basic calculation applying standard UK tax bands and allowances.

Calculation runs based on standard HMRC rules.

With Pension or Deductions

Factoring in a percentage of salary sacrifice or pension contributions.

Deductions are calculated and adjusted accordingly.

Related Calculators

Frequently Asked Questions

Who qualifies as a first-time buyer for stamp duty relief?

To qualify for first-time buyer stamp duty relief in the UK, you must satisfy strict criteria defined by HMRC. You must have never owned a residential property (or an interest in one) anywhere in the world. This includes properties you have purchased, inherited, received as a gift, or owned through a trust. If you are buying the property jointly with a partner, spouse, or civil partner, both buyers must meet the first-time buyer definition. If one co-buyer has owned a property in the past, the entire purchase loses the relief. Additionally, you must intend to occupy the property as your only or main residence; you cannot claim first-time buyer relief on a buy-to-let property or a second home.

What is the maximum property value for first-time buyer relief?

Under the 2026/27 rules, first-time buyers pay 0% SDLT on properties priced up to £425,000. If the property costs between £425,001 and £625,000, you pay a flat 5% rate on the portion above £425,000. However, if the property’s purchase price exceeds £625,000, the first-time buyer relief is completely cancelled. In this case, you must pay the standard SDLT rates starting from £250,000, meaning you receive no tax advantage compared to a home mover. If you are buying a home using a shared ownership scheme, you can choose to pay stamp duty on the market value of the whole property or pay it in stages based on the share you buy.