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Buy-to-Let / Second Home Stamp Duty Calculator

Calculate the stamp duty surcharge on a UK buy-to-let property or second home across England, Scotland, and Wales.

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💱 Amounts shown in selected currency. Rates are approximate — for exact rates check your bank.

About This Calculator

Buying an additional residential property triggers a stamp duty surcharge on top of standard rates: 3% in England/NI, 6% ADS in Scotland, or higher LTT bands in Wales. Select your region to see the total due.

About This Calculator

Buying an additional residential property triggers a stamp duty surcharge on top of standard rates: 3% in England/NI, 6% ADS in Scotland, or higher LTT bands in Wales. Select your region to see the total due.

Frequently Asked Questions

How much extra stamp duty is there on a second home?

In England and Northern Ireland, a 3% surcharge applies on top of every standard SDLT band. Scotland charges a 6% Additional Dwelling Supplement, and Wales applies higher LTT bands.

Can I get a refund of the surcharge?

In England/NI, if you sell your previous main home within 3 years of buying the new one, you can claim back the 3% surcharge element from HMRC.

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Quick Facts

✓ 100% Free — no sign-up
✓ Works on mobile & desktop
✓ Instant results
✓ No data stored or shared
✓ Updated for 2026
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