Stamp Duty on £250,000 House UK (2026 Calculator)
By Wealthvieu
·
Updated
Stamp duty on a £250,000 house is £0 for first-time buyers or £2,500 for home movers.
Stamp Duty Summary
| Buyer Type |
Stamp Duty |
Effective Rate |
| First-time buyer |
£0 |
0% |
| Home mover |
£2,500 |
1.0% |
| Second home/BTL |
£10,000 |
4.0% |
How Stamp Duty is Calculated
Home Movers (Standard Rates)
| Band |
Rate |
Taxable Amount |
Tax |
| £0 - £125,000 |
0% |
£125,000 |
£0 |
| £125,001 - £250,000 |
2% |
£125,000 |
£2,500 |
| Total |
|
|
£2,500 |
First-Time Buyers
| Band |
Rate |
Taxable Amount |
Tax |
| £0 - £425,000 |
0% |
£250,000 |
£0 |
| Total |
|
|
£0 |
Second Home / Buy-to-Let (3% Surcharge)
| Band |
Rate |
Taxable Amount |
Tax |
| £0 - £125,000 |
3% |
£125,000 |
£3,750 |
| £125,001 - £250,000 |
5% |
£125,000 |
£6,250 |
| Total |
|
|
£10,000 |
Total Purchase Costs at £250K
| Cost |
First-Time Buyer |
Home Mover |
| House price |
£250,000 |
£250,000 |
| Deposit (10%) |
£25,000 |
£25,000 |
| Stamp duty |
£0 |
£2,500 |
| Solicitor |
£1,600 |
£1,600 |
| Survey |
£450 |
£450 |
| Total upfront |
£27,050 |
£29,550 |
When to Pay Stamp Duty
- Due: Within 14 days of completion
- Who pays: Usually handled by your solicitor
- Payment method: Electronic transfer to HMRC
- Late payment: Interest and penalties apply
First-Time Buyer Rules
To qualify for first-time buyer relief:
- Never owned property in the UK or abroad
- Property price up to £625,000
- Full relief up to £425,000
- 5% on portion between £425,001-£625,000
- The property must be your main residence
Joint purchases: All buyers must be first-time buyers to qualify.
