How SDLT works at this property price
Stamp Duty Land Tax uses slices of the property price rather than one flat rate. That means
the amount above each threshold is what changes the bill, not the whole purchase price.
All figures on this page assume a property price of £275,000. You can change the
price or buyer type using the calculator above.
Why buyer type still matters
The slug only tracks property price because that is what people usually search. But SDLT can
change sharply between a standard home move, a qualifying first-time purchase, and an
additional property purchase at the same price.
That is why the calculator above keeps buyer type editable and the comparison table shows all
three views side by side.
Thresholds to watch
For many buyers, the most important SDLT thresholds are around £250,000,
£500,000, and £925,000. Crossing one of those points can change both
the tax due and the upfront cash required on completion.
That is why nearby price pages are often useful when negotiating a purchase price or testing
affordability.
Stamp duty in the FTB-eligible zone: £275,000
£275,000 is still inside the first-time buyer nil-rate band, so a qualifying FTB pays £0. A home mover pays about £3,750, making the relief worth £3,750 at this price.
FTB relief covers the full purchase up to £300,000 at 0%, then charges 5% on the slice from £300,000 up to £500,000.
Crucially, first-time buyer relief is lost entirely above £500,000. A purchase price even £1 above that ceiling reverts to full home-mover rates.
For prices below £300,000, the main comparison is simple: home movers start paying SDLT once they pass £125,000, while qualifying first-time buyers do not.