Answers · UK 2025/26
Stamp duty on £800,000 UK?
On an £800,000 main home in England or NI from 1 April 2025, SDLT is £30,000 (£2,500 + £17,500 + £10,000 across the bands). A second-home buyer pays £70,000 because of the 5% additional-dwellings surcharge on the whole price.
Full answer
Bands applied to £800,000: 0% × £125,000 = £0; 2% × £125,000 = £2,500; 5% × £550,000 (£250,001–£800,000) = £27,500. Total £30,000 SDLT. First-time-buyer relief unavailable (cap is £500,000). Second-home surcharge: 5% × £800,000 = £40,000 on top, total £70,000. Non-UK resident second-home buyer: 5% surcharge + 2% non-resident = 7% × £800,000 = £56,000 extra, total £86,000. Worked example for a buyer trading up: selling a £450,000 main home and buying for £800,000 with no second property pays £30,000 SDLT. If they buy first while still owning the old home, the surcharge applies — £70,000 — but they can reclaim the £40,000 surcharge from HMRC within 12 months of selling the old home (must sell within 36 months). Scottish LBTT on £800,000 is £63,350; Welsh LTT is £35,200.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.