£7,500
United Kingdom · Day-one cash
Stamp duty and transfer tax besides the deposit
SDLT, England & Northern Ireland, bands from 1 April 2025. Cash due before completion, separate from the monthly payment.
Example with the default inputs. Change any field to recalculate.
£7,500 on top of the deposit
Deposit £52,500 · cash to close £60,000.
£52,500
£60,000
Breakdown
| SDLT | £7,500 |
What this includes
Bands, first-time buyer relief up to £500,000, the additional-dwelling surcharge (not below £40,000) and the non-resident surcharge. England and Northern Ireland only. Council tax is not a day-one cost and is not included.
How we calculate
SDLT, England and Northern Ireland, bands from 1 April 2025: 0% up to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above. First-time buyers: 0% up to £300,000 and 5% from £300,001 to £500,000, only if the price is £500,000 or less. Additional dwellings: +5 points on every band (not below £40,000). Non-UK residents: +2 points on every band. Tax is rounded down to the nearest pound.
Official sources
- GOV.UK — SDLT residential property rates (bands from 1 April 2025)
- GOV.UK — SDLT on additional residential property
- HMRC — SDLT Manual SDLTM00050 (tax rounded down to the nearest pound)
Rules checked against these sources on 24–25 September 2026.