Answers · UK 2025/26
Can two first-time buyers claim SDLT relief?
Yes, two first-time buyers purchasing jointly can both claim first-time buyer SDLT relief — but only if every buyer on the deed is a first-time buyer and the property costs £500,000 or less. The relief gives 0% up to £300,000 and 5% on £300,001–£500,000.
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Every purchaser must individually qualify: each must have never previously owned a freehold or leasehold (with more than 21 years left) residential property anywhere in the world, including any inherited or gifted property. If one buyer has previously owned a home — even years ago — the whole purchase loses the relief and standard SDLT applies. The property must be the only or main residence for both, costing £500,000 or under, and the transaction must complete on or after the relief was available. Worked example: a couple jointly buying a £400,000 home, both first-time buyers — 0% on £300,000 + 5% × £100,000 = £5,000 SDLT (versus £7,500 standard, saving £2,500). Buying for £510,000: relief withdrawn entirely, full £8,000 SDLT due. Beware: a parent going onto the deed to support the mortgage typically disqualifies the relief because parents usually own a home. A Joint Borrower Sole Proprietor (JBSP) mortgage with parents off-title preserves the relief.
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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.