Our Stamp Duty Land Tax calculator is designed specifically for UK property investors who need fast, accurate clarity on acquisition costs before committing to a deal. When you are buying a buy-to-let, this calculator shows how much stamp duty you will pay based on current SDLT bands and surcharge rules. It is particularly useful when assessing deal viability, capital requirements, and comparing purchase scenarios, so you can model total costs with confidence before exchange.
This page has been updated to reflect the latest rates effective from 1 April 2025.
Results
Taxable Sum
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Stamp Duty to Pay
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Effective Rate
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Calculation based on:
Tax Band
£0 – £125,000
£125,001 – £250,000
£250,001 – £925,000
£925,001 – £1,500,000
£1,500,001+
%
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Taxable Sum
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Tax
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£1,500,001+
£925,001 – £1,500,000
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£250,001 – £925,000
-
£0 – £125,000
%
Tax Band
£125,001 – £250,000
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Tax
Taxable Sum
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IMPORTANT: Please note, the buy to let stamp duty amount generated through our calculator is indicative – the actual stamp duty amount can vary. This calculator applies to residential transactions in England and Northern Ireland only. If all, or part, of your transaction is commercial, agricultural or non-residential, and/or outside of England or Northern Ireland then the rates may differ.
Understanding Your Buy to Let SDLT Results
Your SDLT calculator results break down how stamp duty is calculated across each SDLT tax band, rather than showing a single headline number. You will see the taxable portion of your purchase price in each band, the rate applied, and the tax due for that band. The total stamp duty figure shows the full SDLT payable, while the effective rate helps you understand the true tax cost as a percentage of the purchase price.
If you are considering a new buy to let property purchase and would like help analysing your deal, or finding competitive buy‑to‑let mortgage rates, our specialist brokers can assist with further guidance or sourcing the right mortgage and securing the most suitable deal for your rental property. Read all about our buy-to-let mortgage services.
Frequently Asked Questions About Buy to Let SDLT
Yes. Buy-to-let properties are usually classed as additional residential properties, which means a higher rate of Stamp Duty Land Tax applies. This includes a surcharge on top of the standard SDLT bands, increasing the overall tax payable compared with a main residence purchase.
Stamp duty is payable at completion of the purchase. In most cases, the SDLT return must be submitted and the tax paid within 14 days of completion. Your solicitor or conveyancer typically handles this as part of the transaction.
Stamp duty is calculated on a tiered basis. Different portions of the purchase price are taxed at different rates depending on the SDLT bands. For buy to let in an SPV and second properties, the higher rates apply to each band, which increases the total tax due.
Yes. Stamp duty is an upfront cost that reduces your available capital and can impact both cash flow and overall return on investment. Many investors factor SDLT into their yield calculations and use it when comparing potential deals or deciding between purchase prices.
Most buy-to-let investors do not qualify for SDLT reliefs, but there are some exceptions. For example, certain corporate purchases, multiple dwellings relief, or mixed-use properties may be taxed differently. Professional advice is recommended if your purchase is not straightforward.