On a £600,000 home purchase in England or Northern Ireland in 2026, Stamp Duty Land Tax (SDLT) ranges from £20,000 (first-time buyer) through £20,000 (standard home mover) to £50,000 (additional property / buy-to-let). The exact figure depends on who you are and what you're buying.

At £600,000, first-time buyer relief is gone and the second-home surcharge is more material than the SDLT itself. This price often comes up for buyers moving from a flat to a family home in the South East, or for first BTL investments in higher-demand areas.

The headline numbers at £600,000

Buyer type	SDLT	Effective rate
First-time buyer	£20,000	3.33%
Standard home mover	£20,000	3.33%
Additional property (2nd home / BTL)	£50,000	8.33%

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

First-time buyer at £600,000

FTB relief is lost entirely above £500,000, so first-time buyers and home movers pay the same SDLT at this price.

Band-by-band: Same as standard rates — FTB relief is unavailable above £500,000. Total: £20,000.

Standard home mover at £600,000

For a home mover replacing their only or main residence:

Band-by-band: 0% on the first £125,000 = £0 · 2% on the next £125,000 = £2,500 · 5% on the remaining £350,000 = £17,500. Total: £20,000.

Additional property at £600,000

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 = £6,250 · 7% on the next £125,000 = £8,750 · 10% on the remaining £350,000 = £35,000. Total: £50,000.

That is £50,000 — note how much larger the additional-property SDLT is than the standard figure. The 5% surcharge applies to every band of the purchase from £40,000 upwards.

Who typically buys at £600,000?

Family upsizers moving from a flat to a 4-bed house in the South East, mid-tier BTL investors buying a second home in commuter towns.

Beyond SDLT: the total cost to complete

SDLT is the biggest single cost but not the only one. At £600,000, you should also budget for:

• Solicitor / conveyancer: £1,500–£2,000 fixed fee.
• Local authority and environmental searches: around £350.
• Survey (Level 2 HomeBuyer): £700–£900.
• Mortgage product/arrangement fee: £500–£1,500.
• Removals: £1,500–£2,200 for a typical move.
• Land Registry registration: £150–£295 depending on price.

Use the moving costs calculator for an itemised total.

How to negotiate around the bands

Because SDLT is banded, small price differences near a threshold matter — particularly the £500,000 first-time buyer cliff edge where the relief is lost entirely. Other notable thresholds at this price:

• £250,000: standard rate moves from 2% to 5%.
• £500,000: first-time buyer relief disappears (cliff edge).
• £925,000: standard rate moves from 5% to 10%.

Calculate your exact figure

The numbers above are exact for £600,000 — but if you want to model a different price, run a comparison, or get the total cost to complete including all fees, use the calculators:

• Main SDLT calculator
• First-time buyer calculator
• Buy-to-let calculator
• Moving costs calculator
• Affordability calculator

Rates last verified against HMRC: 16 May 2026.