How much stamp duty on a £525,000 property?

Stamp duty on a £525,000 property is £16,250 for home movers (3.1% effective rate). First-time buyers pay £11,250. Additional property buyers pay £42,500 including the 5% surcharge.

Do first-time buyers pay stamp duty on £525,000?

First-time buyer relief is not available on properties over £500,000. Standard rates apply: £16,250.

Stamp Duty on £525,000 Property

If you buy a £525,000 property in England or Northern Ireland, you will pay £16,250 in stamp duty land tax (3.1% effective rate). Updated with April 2025 HMRC rates.

Home mover

£16,250

3.1% · Standard rates

First-time buyer

£11,250

2.14% · No relief (over £500k)

Additional property

£42,500

8.1% · +5% surcharge

SDLT band breakdown on £525,000

Home mover

£0 – £125,000 (0%)£0

£125,000 – £250,000 (2%)£2,500

£250,000 – £525,000 (5%)£13,750

Total£16,250

First-time buyer

£0 – £300,000 (0%)£0

£300,000 – £525,000 (5%)£11,250

Total£11,250

Total purchase cost

Property price£525,000

Stamp duty£16,250

Est. legal fees~£2,075

Est. survey~£500

Estimated total£543,825

Stamp duty as % of price

Property 96.9%

SDLT 3.1%

Compare property prices

£100,000£0 £125,000£0 £150,000£500 £175,000£1,000 £200,000£1,500 £225,000£2,000

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