Stamp Duty CalculatorStamp Duty on a £300,000 House
What you'll pay in 2026 — for each buyer type, with the full band-by-band maths.
On a £300,000 home purchase in England or Northern Ireland in 2026, Stamp Duty Land Tax (SDLT) ranges from £0 (first-time buyer) through £5,000 (standard home mover) to £20,000 (additional property / buy-to-let). The exact figure depends on who you are and what you're buying. This price point captures the typical family home mover in most of the UK outside London.
The headline numbers at £300,000
| Buyer type | SDLT | Effective rate |
|---|---|---|
| First-time buyer | £0 | 0.00% |
| Standard home mover | £5,000 | 1.67% |
| Additional property (2nd home / BTL) | £20,000 | 6.67% |
Non-UK residents add 2% to every band in any of the categories above, giving an effective non-resident standard SDLT of approximately £11,000 on this price.
First-time buyer at £300,000
First-time buyers pay nothing on a £300,000 home. The FTB nil-rate band runs up to £300,000.
Band-by-band:
| Slice | Rate | SDLT |
|---|---|---|
| £0-£300,000 | 0% | £0 |
| Total | £0 |
Standard home mover at £300,000
A standard home mover — someone who has bought before but is replacing their main residence — pays £5,000 on this price. The nil-rate band covers the first £125,000; the 2% band runs from £125,001 to £250,000; the 5% band from £250,001 to £925,000; the 10% band from £925,001 to £1,500,000; the 12% band above £1,500,000.
Band-by-band:
| Slice | Rate | SDLT |
|---|---|---|
| £0-£125,000 | 0% | £0 |
| £125,000-£250,000 | 2% | £2,500 |
| £250,000-£300,000 | 5% | £2,500 |
| Total | £5,000 |
Additional property at £300,000
Buying a £300,000 home as a second home or buy-to-let attracts the 5% additional-property surcharge on top of the standard SDLT. Total: £20,000 — an extra £15,000 compared with a standard home mover. Read the second home guide for edge cases (replacement of main residence, inherited property, non-UK resident interaction).
Band-by-band:
| Slice | Rate | SDLT |
|---|---|---|
| £0-£125,000 | 5% | £6,250 |
| £125,000-£250,000 | 7% | £8,750 |
| £250,000-£300,000 | 10% | £5,000 |
| Total | £20,000 |
Deposit, mortgage and cash needed at £300,000
Stamp duty is paid on top of your deposit, so the cash you need on completion day is the deposit plus SDLT (plus the fees listed further down). The table shows three common deposit levels at £300,000, with the repayment on the rest of the price.
| Deposit % | Deposit amount | Mortgage | Monthly repayment* | Deposit + SDLT (home mover) | Deposit + SDLT (first-time buyer) |
|---|---|---|---|---|---|
| 10% | £30,000 | £270,000 | £1,501 | £35,000 | £30,000 |
| 25% | £75,000 | £225,000 | £1,251 | £80,000 | £75,000 |
| 40% | £120,000 | £180,000 | £1,000 | £125,000 | £120,000 |
*Capital-and-interest repayment over 25 years at an illustrative 4.5% interest rate. This is an assumption to show scale, not a quote or a forecast. At 5.0% the 25%-deposit repayment rises by about £65 a month. Model your own rate and term with the mortgage repayment calculator, and check what you can borrow with the affordability calculator.
Worth knowing at this price: At £300k, the FTB SDLT saving is £5,000 vs standard buyers — a genuinely material advantage. But if you are buying jointly and your partner has ever owned any residential property anywhere in the world, you lose FTB relief entirely and pay the full £5,000. This is the rule that catches most joint FTB purchases at this price.
Threshold context at this price
The SDLT thresholds most relevant at £300,000:
- £125,000 — start of the 2% standard band
- £250,000 — start of the 5% standard band
- £300,000 — first-time buyer relief nil-rate ceiling
- £500,000 — first-time buyer relief cut-off
- £925,000 — start of the 10% standard band
- £1,500,000 — start of the 12% standard band
£300,000 in other situations
The headline table covers UK-resident buyers in England and Northern Ireland. These are the figures at exactly £300,000 for non-UK residents and for the same price in Scotland and Wales, which have their own taxes.
| Situation at £300,000 | Tax |
|---|---|
| Non-UK resident home mover (England/NI, +2%) | £11,000 |
| Non-UK resident first-time buyer (England/NI, +2%) | £6,000 |
| Non-UK resident, additional property (England/NI, +5% and +2%) | £26,000 |
| Scotland, main home (LBTT) | £4,600 |
| Scotland, first-time buyer (LBTT relief) | £4,000 |
| Scotland, additional property (LBTT + 8% ADS on the whole price) | £28,600 |
| Wales, main home (LTT main rates) | £4,500 |
| Wales, additional property (LTT higher rates) | £19,950 |
England and NI: SDLT rates from 1 April 2025. Scotland: LBTT bands from 1 April 2021 and the 8% Additional Dwelling Supplement for contracts from 5 December 2024 (Revenue Scotland). Wales: LTT main rates from 10 October 2022 and higher rates from 11 December 2024 (Welsh Government). Rates checked 26 October 2026. Model other prices with the non-UK resident, LBTT and LTT calculators.
Worked example: the edge of the first-time buyer nil-rate band
£300,000 is the most a first-time buyer can pay and still owe no SDLT. Above it, each extra £1 costs 5p: £500 at £310,000 and £1,000 at £320,000. That is small next to the jump a home mover faces at the same prices (£5,500 and £6,000).
Joint purchases change the answer. If two people buy together and one of them has owned a home before, anywhere in the world, first-time buyer relief is lost and the purchase pays the standard £5,000. If that partner still owns a property at the end of completion day and the purchase is not replacing a main residence, the higher rates apply and the bill becomes £20,000.
Beyond SDLT: the total cost to complete
SDLT is only one line item in the total cost to complete on a £300,000 home. Typical additional costs:
- Conveyancing legal fees: £900-£1,800 + VAT — use the conveyancing fees calculator or compare two quotes with the conveyancing comparison calculator
- Search pack: £280-£420
- Land Registry fee: £200
- Survey: £400-£1,200 depending on level
- Mortgage arrangement / valuation fee: £0-£1,500
- Removals: £500-£2,500
- Moving-day essentials: allow £500-£1,500 buffer
The moving costs calculator and the home buying cost calculator aggregate the whole cost stack alongside SDLT. Budget the total — not just the SDLT — before setting your maximum offer.
Calculate variations
Bring the exact figures into your own scenario:
- Standard SDLT calculator — main-residence purchases
- First-time buyer SDLT calculator — with relief applied automatically
- Buy-to-let SDLT calculator — additional-property surcharge included
- Second home SDLT calculator
- Non-UK resident SDLT calculator
- SDLT refund calculator — if replacing your main residence
Nearby price bands
Popular calculators
Related reading
Sources
Rates last verified against HMRC: 26 October 2026.