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Stamp duty on a £675,000 house in England

A home mover buying a £675,000 property in England pays £23,750 (3.52% of the price). First-time buyer relief doesn't apply because the price is over £500,000, so a first-time buyer pays the same £23,750. Buying it as a second home or buy-to-let costs £57,500.

At a glance

Buyer	Tax	Effective rate
Home mover	£23,750	3.52%
First-time buyer	£23,750	3.52%
Second home / buy-to-let	£57,500	8.52%
Non-UK resident home mover	£37,250	5.52%

How £23,750 is worked out (home mover)

Band	Rate	Taxable	Tax
Up to £125,000	0%	£125,000	£0
£125,001 – £250,000	2%	£125,000	£2,500
£250,001 – £925,000	5%	£425,000	£21,250
Total			£23,750

General information, not tax advice; check gov.uk or ask your conveyancer.

What this means for you

The top £425,000 of the price falls in the 5% band, which accounts for £21,250 of the £23,750 total.
The next band starts at £925,000, £250,000 above this price. Every extra £1,000 you pay up to then adds £50 of SDLT.
At this price first-time buyer relief is lost altogether, because it only applies up to £500,000.
A second home or buy-to-let pays 5% extra on the whole price, so £33,750 more than a home mover.

Same price in England, Scotland and Wales

Home mover, £675,000 property:

Where	Tax
England & NI	£23,750
Scotland	£40,850
Wales	£31,125

Saving up for it

To have £23,750 ready on completion you'd need to put aside about £1,979 a month for 12 months, or £990 a month over 2 years. Stamp duty is normally paid from your own funds through your conveyancer, so budget for it alongside your deposit and legal fees.

Stamp duty to pay

—

Effective rate—

Price plus tax—

Band	Rate	Taxable	Tax
Total			—

General information, not tax advice; check gov.uk or ask your solicitor or conveyancer before you rely on it.

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Nearby prices

Questions about a £675,000 purchase

How much stamp duty is due on a £675,000 house in England or Northern Ireland?

A home mover pays £23,750, a first-time buyer pays £23,750 and a second-home or buy-to-let buyer pays £57,500 (rates checked 9 November 2026).

What is the effective rate on £675,000?

For a home mover it's 3.52% of the price, because each rate only applies to the part of the price inside its band.

When do I pay it?

Your conveyancer files the SDLT return and pays HMRC within 14 days of completion, usually from money you send them before completion.

Is this exact for my purchase?

It uses the published rates and is tested against official examples, but shared ownership, mixed-use property, linked purchases and some reliefs change the figure. Check gov.uk or ask your conveyancer.