How much stamp duty on a £900,000 property?

Stamp duty on a £900,000 property is £35,000 for home movers (3.89% effective rate). First-time buyers pay £35,000. Additional property buyers pay £80,000 including the 5% surcharge.

Do first-time buyers pay stamp duty on £900,000?

First-time buyer relief is not available on properties over £500,000. Standard rates apply: £35,000.

Stamp Duty on £900,000 Property

If you buy a £900,000 property in England or Northern Ireland, you will pay £35,000 in stamp duty land tax (3.89% effective rate). Updated with April 2025 HMRC rates.

Home mover

£35,000

3.89% · Standard rates

First-time buyer

£35,000

3.89% · No relief (over £500k)

Additional property

£80,000

8.89% · +5% surcharge

SDLT band breakdown on £900,000

Home mover

£0 – £125,000 (0%)£0

£125,000 – £250,000 (2%)£2,500

£250,000 – £900,000 (5%)£32,500

Total£35,000

Total purchase cost

Property price£900,000

Stamp duty£35,000

Est. legal fees~£3,200

Est. survey~£500

Estimated total£938,700

Stamp duty as % of price

Property 96.1%

SDLT 3.89%

Compare property prices

£400,000£10,000 £425,000£11,250 £450,000£12,500 £475,000£13,750 £500,000£15,000 £525,000£16,250

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