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The Rates
The thresholds changed on 1 April 2025. Check which rates apply to your purchase date.
Before 1 April 2025
Purchase price
Rate
Notes
Up to £425,000
0%
First-time buyer relief
£425,001 – £625,000
5%
On portion above £425k
Over £625,000
Standard rates
No FTB relief
From 1 April 2025
Purchase price
Rate
Notes
Up to £300,000
0%
First-time buyer relief
£300,001 – £500,000
5%
On portion above £300k
Over £500,000
Standard rates
No FTB relief
Important: The information above is for guidance only. Stamp duty rules can change and individual circumstances vary. Always confirm the exact amount with your solicitor before exchanging contracts. MortgageReady is not a tax adviser.
Worked Examples
2-bed terrace, Salford
£200,000
3-bed semi, Stockport
£350,000
4-bed detached, Didsbury
£500,000
Illustrative examples for first-time buyers purchasing after 1 April 2025. Always verify with your solicitor.
Don't Forget the Other Purchase Costs
Stamp duty is just one of several costs when buying a home. Budget for: solicitor's fees (typically £1,200–£2,500), survey costs (£300–£1,500), mortgage arrangement fees (£0–£2,000), and removals. We provide a full cost breakdown during your free consultation — no surprises.
Tax rules can be complex. For personalised advice, call us on 0161 000 0000.
We'll give you a complete, honest breakdown of every cost involved — stamp duty, legal fees, mortgage costs, and more. Book a free 30-minute consultation.
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