This calculator provides an indicative estimate only, based on standard SDLT rates and thresholds for England & Northern Ireland as at August 2026 (0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above; first-time buyer relief up to £500,000; +5 percentage point surcharge on additional properties). It does not constitute tax advice, is not personalised to your circumstances, and does not account for reliefs, exemptions, non-UK resident surcharges, mixed-use/commercial rates, or transactions in Scotland (LBTT) or Wales (LTT), which are calculated differently. Rates are subject to change by HM Treasury without notice. Always confirm your SDLT liability with your solicitor/conveyancer or HMRC before exchange. Giles Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 726857) for mortgage and insurance mediation activities; we do not provide tax advice.