Main residence
£10,000
| Rate | Portion | Tax |
|---|---|---|
| 0% | £125,000 | £0 |
| 2% | £125,000 | £2,500 |
| 5% | £150,000 | £7,500 |
Stamp duty on £400,000
Uses the bands from 1 April 2025. Results are estimates, not tax advice.
Summary
Purchase price
£400,000
Bands crossed
Main: 0%, 2% and 5% bands. | Additional: 5%, 7% and 10% bands.
First‑time buyer
Eligible: 0% up to £300,000; 5% on £300,001–£500,000.
SDLT totals at this price
First‑time buyer
£5,000
| Rate | Portion | Tax |
|---|---|---|
| 0% | £300,000 | £0 |
| 5% | £100,000 | £5,000 |
Additional property
£30,000
| Rate | Portion | Tax |
|---|---|---|
| 5% | £125,000 | £6,250 |
| 7% | £125,000 | £8,750 |
| 10% | £150,000 | £15,000 |
Potential refund if you sell your previous main home within 3 years: £20,000.
FAQs
How much is Stamp Duty on £400,000 for a main residence (2025 rates)?
Total: £10,000
• 0% on £125,000 = £0
• 2% on £125,000 = £2,500
• 5% on £150,000 = £7,500
How much will a first‑time buyer pay at £400,000?
Total: £5,000
• 0% on £300,000 = £0
• 5% on £100,000 = £5,000
How much is Stamp Duty on £400,000 if this is an additional property?
Total: £30,000
• 5% on £125,000 = £6,250
• 7% on £125,000 = £8,750
• 10% on £150,000 = £15,000
If I pay the higher rates but sell my previous main home within 3 years, what refund could I claim?
Potential refund: £20,000 (difference between higher‑rate and standard SDLT at £400,000).
Which SDLT bands are crossed at £400,000?
Main: 0%, 2% and 5% bands. Additional: 5%, 7% and 10% bands.
When is SDLT due?
You must file the SDLT return and pay the tax within 14 days of the effective date of the transaction.
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