🏡 Stamp Duty Calculator for a £225,000 Property (FTB: No)
How much stamp duty will you pay on a property purchase?
Quick answer
On a £225,000 property, UK Stamp Duty Land Tax is roughly £0 as a standard buyer. Always confirm with HMRC or your solicitor before completing.
- Standard buyer: £0
- First-time buyer: £0
- Effective rate: 0%
- Figures are illustrative — not tax advice
In detail: Stamp Duty Calculator for a £225,000 Property (FTB: No)
A £225,000 purchase sits under the standard nil-rate threshold. SDLT is calculated in slices, not as a flat percentage — so each band up to your purchase price is taxed at its own rate. Standard buyers pay 0% up to £250,000, 5% from £250,001 to £925,000, 10% from £925,001 to £1.5 million, and 12% above that.
Budget for this alongside your deposit: lenders won't let you roll SDLT into the mortgage, so the cash needs to be available on completion day along with legal fees (typically £1,500–£3,000) and searches.
If the property is a second home or buy-to-let, a 5% surcharge applies on top of these figures — so the real tax on a second-home purchase at this price would be substantially higher. Always cross-check with HMRC's official calculator or your solicitor before exchanging.
What this tool helps with
Stamp duty breakdown by band and total
What you can enter
- Property price (£): 225000
- First-time buyer?: No
- Additional property?: No
Why this page is useful
How much stamp duty will you pay on a property purchase? This page loads fast, gives a direct answer, and then expands with useful context instead of burying the result under filler.