Stamp duty on a £400,000 home in England: standard, first-time buyer and second home
Since 1 April 2025 the standard SDLT bands in England and Northern Ireland are: 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m and 12% above.
| Buyer type | SDLT on £400,000 |
|---|---|
| Standard home mover | £10,000 (2% on £125,000 + 5% on £150,000) |
| First-time buyer | £5,000 (0% to £300,000, then 5%; only if the price is £500,000 or less) |
| Additional property | £30,000 (standard rates plus 5% of the full price) |
Scotland (LBTT) and Wales (LTT) have their own taxes and are not covered. Always check the official page before you budget.
Try the UK Stamp Duty Calculator (England & NI)Enter your own numbers and see the result instantly.