Commercial mortgages
Free tool

Stamp Duty (SDLT) calculator for England

Work out the Stamp Duty Land Tax on a residential, buy-to-let or commercial property purchase in England, bought in your own name or through a limited company.

Rates shown are for the 2025/26 tax year  ·  Last reviewed 25 June 2026  ·  Version 1.0
Quick answer

Commercial and mixed-use property in England pays 0% up to £150,000, 2% from £150,001 to £250,000 and 5% above £250,000. Residential property is charged on a separate, higher set of bands, with a 5% surcharge on additional properties and special rules for limited companies. Use the interactive calculator below for an exact figure.

Use the interactive calculator

Enter your purchase price and circumstances to get an instant SDLT figure with a full band-by-band breakdown.

Commercial & mixed-use (non-residential) rates

These apply to wholly commercial property and to mixed-use (semi-commercial) property such as a shop with a flat above. They are the same whether you buy personally or through a company.

Portion of the priceSDLT rate
Up to £150,0000%
£150,001 to £250,0002%
Above £250,0005%

Standard residential rates (your only or main home)

These apply when the property is your only home, or you are replacing your main residence. They are charged on the portion of the price that falls in each band.

Portion of the priceSDLT rate
Up to £125,0000%
£125,001 to £250,0002%
£250,001 to £925,0005%
£925,001 to £1.5m10%
Above £1.5m12%

Additional property (second home or buy-to-let)

If you are buying an additional residential property, a second home, or a buy-to-let you will keep alongside another property, a 5% surcharge is added to every band. A buy-to-let bought in a personal name counts as an additional property.

Portion of the priceSDLT rate
Up to £125,0005%
£125,001 to £250,0007%
£250,001 to £925,00010%
£925,001 to £1.5m15%
Above £1.5m17%

First-time buyer relief

First-time buyers pay no SDLT up to £300,000 and 5% on the portion from £300,001 to £500,000. The relief is not available on purchases over £500,000.

Limited company residential purchases

A company buying residential property normally pays the higher additional-property rates. Where a single dwelling costs more than £500,000, a flat higher rate can apply to the whole price unless a relief such as property-rental-business relief is available. Commercial and mixed-use property bought through a company uses the non-residential rates above.

Note: these rates cover England (and Northern Ireland for SDLT). Scotland (LBTT) and Wales (LTT) have their own taxes and rates. SDLT can be complex, always confirm your figure with a solicitor or qualified adviser before you rely on it.

See what this could look like for you

Answer a few simple questions and see the commercial mortgage products that may be available, no personal details, no login, about two minutes.

Prefer to talk it through? Call 0333 121 0050 or email Commercial@positivelending.co.uk

Your property may be repossessed or a receiver appointed if you do not keep up repayments on a mortgage or any other debt secured on it. This service is provided direct to consumers and covers commercial mortgages only. Positive Lending is a broker, not a lender. Commercial mortgages and certain buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA). As a result, they do not provide the same level of consumer protection as regulated mortgage products and should only be considered for business or investment purposes. The rates, fees and monthly figures shown are indicative estimates for comparison, not offers of finance, quotes or guarantees of what any lender will provide; your actual terms depend on a full assessment by the lender. This tool is for information only and does not provide financial, mortgage, tax or legal advice; always speak to a qualified adviser before making a decision.