First-Time Buyer · 2025
First-Time Buyer Stamp Duty on £325,000
As a first-time buyer in England/NI, you pay £1,250.00 SDLT on a £325,000 home — a saving of £5,000.00 versus the standard £6,250.00.
First-Time Buyer
£1,250.00
SDLT in England/NI
Standard (non-FTB)
£6,250.00
SDLT in England/NI
FTB Band Breakdown (£325,000)
£0–£300,000 @ 0%£0.00
£300,000–£500,000 @ 5%£1,250.00
Total FTB SDLT£1,250.00
By Region on £325,000
| Region | Tax | FTB Amount | Standard |
|---|---|---|---|
| England/NI | SDLT | £1,250.00 | £6,250.00 |
| Scotland | LBTT | £5,250.00 | £5,850.00 |
| Wales | LTT | £6,000.00 | £6,000.00 |
Wales LTT has no first-time buyer relief — same rate applies.
Custom calculator
FAQs
Do I pay stamp duty as a first-time buyer on £325,000?
In England and Northern Ireland, first-time buyers pay £1,250.00 SDLT on a £325,000 home — a saving of £5,000.00 versus the standard rate. FTB relief gives 0% up to £300,000 and 5% on £300,000–£500,000. Properties over £500,000 get no FTB relief at all.
What counts as a first-time buyer?
You must be buying your only or main residence and have never owned a residential property anywhere in the world (including inheritance). Both buyers in a joint purchase must qualify. Buying a buy-to-let first disqualifies you from FTB relief on your subsequent main home.
How does Scotland LBTT FTB relief compare?
Scotland: First-Time Buyer LBTT relief gives 0% up to £175,000. On £325,000, LBTT for an FTB is £5,250.00. Wales has no FTB relief — LTT on £325,000 would be £6,000.00 regardless.
Related
Disclaimer: FTB relief applies only in England/NI (SDLT) and Scotland (LBTT). Wales has no FTB relief. Both joint buyers must be first-time buyers. Always check with conveyancer.