How much stamp duty on a £225,000 house?

On a £225,000 home in England or Northern Ireland in 2026, stamp duty is £2,000 for a standard home mover, £0 for a first-time buyer, and £13,250 for an additional property (buy-to-let or second home). Non-UK residents add 2% to every band.

Do first-time buyers pay stamp duty on a £225,000 home?

No — first-time buyers pay £0 SDLT on a £225,000 home. The FTB nil-rate band covers the first £300,000.

When is stamp duty paid on a £225,000 purchase?

Stamp duty is due within 14 days of completion. Your conveyancer typically files the SDLT return and pays HMRC from completion funds on your behalf. Late filing attracts a £100 penalty plus interest on unpaid duty.

Stamp Duty on a £225,000 House

Q: What's the additional property surcharge on £225,000?

Buying a £225,000 home as an additional property (second home or buy-to-let) attracts £13,250 of SDLT — that's £11,250 more than the standard rate. The 5% additional-property surcharge applies above the £40,000 entry threshold and stacks on every band.

What you'll pay in 2026 — for each buyer type, with the full band-by-band maths.

SDC By the Stamp Duty Calculator editorial team · Calculated against HMRC published SDLT rates from 1 April 2025. Last verified 25 May 2026.

On a £225,000 home purchase in England or Northern Ireland in 2026, Stamp Duty Land Tax (SDLT) ranges from £0 (first-time buyer) through £2,000 (standard home mover) to £13,250 (additional property / buy-to-let). The exact figure depends on who you are and what you're buying.

The headline numbers at £225,000

Buyer type	SDLT	Effective rate
First-time buyer	£0	0.00%
Standard home mover	£2,000	0.89%
Additional property (2nd home / BTL)	£13,250	5.89%

Non-UK residents add 2% to every band in any of the categories above.

First-time buyer at £225,000

First-time buyers pay nothing on a £225,000 home. The FTB nil-rate band runs up to £300,000.

Band-by-band: 0% on the first £225,000 (band £0–£225,000) = £0. Total: £0.

Standard home mover at £225,000

For a home mover replacing their only or main residence:

Band-by-band: 0% on the first £125,000 (band £0–£125,000) = £0 · 2% on the next £100,000 (band £125,000–£225,000) = £2,000. Total: £2,000.

Additional property at £225,000

For a buy-to-let, second home, or any purchase where the buyer will own another residential property at the end of the day of completion:

Band-by-band: 5% on the first £125,000 (band £0–£125,000) = £6,250 · 7.000000000000001% on the next £100,000 (band £125,000–£225,000) = £7,000. Total: £13,250.

That's £11,250 more than the standard rate. The 5% additional-property surcharge stacks on every band above the £40,000 entry threshold.

Who typically buys at £225,000?

First-time buyers in most regions outside London and the South East, young couples buying their first home, or buy-to-let investors targeting mid-yield areas.

Threshold context at this price

At this price point you're already past the main SDLT step changes; the marginal rate is stable for most of the typical price-negotiation range.

Beyond SDLT: the total cost to complete

SDLT is the biggest single tax but not the only cost. At £225,000, budget for:

Conveyancing legal fees: £1,200–£1,500.
Local-authority searches: ~£320.
Survey (RICS Level 2 HomeBuyer): £500–£700.
Mortgage product/arrangement fee: £0–£2,000 (often ~£999).
Mortgage valuation: ~£300 (sometimes waived).
Removals: £900–£1,500.
Land Registry registration: £150.
Buildings insurance from exchange: ~£280/year.

Use the home buying cost calculator for an itemised total at this price.

Calculate variations

To model a different price, buyer type or scenario:

Main SDLT calculator — any price, any buyer type
First-time buyer calculator — FTB-specific with relief logic
Buy-to-let calculator — includes the 5% surcharge
Second home calculator — additional-property treatment
Non-UK resident calculator — additional 2% surcharge
Home buying cost calculator — SDLT plus all other fees