Calculate SDLT on your residential property purchase – includes first‑time buyer relief, additional property surcharge, and non‑resident rates.
Higher rates for additional properties: +5% on entire purchase price (from Oct 2024, still applies 2026/27). Non‑resident surcharge adds 2%. First‑time buyer relief cannot be combined with additional property surcharge.
| Purchase price | £0 |
| Standard SDLT (bands) | £0 |
| Additional property surcharge (5%) | £0 |
| Non‑resident surcharge (2%) | £0 |
| First‑time buyer relief adjustment | £0 |
| Total SDLT due | £0 |
Our qualified accountants review your property purchase, confirm the correct SDLT, and file the return within the 14‑day deadline.
We’ll check your property purchase, confirm the correct duty or reliefs, and quote a fixed fee to file with HMRC.
An accountant will contact you within 2 hours. For urgent queries call 01582 340887.
HMRC charges penalties for late or incorrect SDLT returns. Many buyers miss reliefs or overpay surcharges – our review ensures you pay the correct amount.
Many eligible buyers fail to claim the 0% band up to £425,000. We check eligibility and file correctly.
The 5% surcharge applies to second homes and buy‑to‑lets. We ensure you don't overpay if replacing main residence.
Non‑UK buyers face an extra 2% surcharge. We help you comply and avoid HMRC enquiries.
Real feedback from home buyers and investors we've helped with SDLT.
"As first‑time buyers, we had no idea about the relief. Fiscal Umbrella saved us over £8,000 and filed the return within days. Highly recommend."
"I bought a second home and thought I had to pay the 5% surcharge – they confirmed I was replacing my main residence, so no surcharge. Saved me £12,000."
"Non‑resident buyer – they handled everything, from surcharge calculation to filing. Stress‑free and fixed fee."
| Property value band | Standard rate | Additional property rate (+5%) |
|---|---|---|
| Up to £250,000 | 0% | 5% |
| £250,001 – £925,000 | 5% | 10% |
| £925,001 – £1,500,000 | 10% | 15% |
| Above £1,500,000 | 12% | 17% |
First‑time buyer relief: 0% on first £425,000, 5% on portion £425,001 – £625,000. Only available if purchase price ≤ £625,000 and all buyers are first‑time buyers.
Non‑resident surcharge: Additional 2% on top of standard or higher rates for buyers who are not UK resident.
Filing deadline: 14 days from completion. Penalties apply for late returns.
You must file an SDLT return and pay any tax due within 14 days of completing your property purchase. Late filing incurs penalties starting at £100 plus interest.
You qualify if you (and any joint buyers) have never owned a residential property anywhere in the world, and the purchase price is £625,000 or less. The relief gives 0% on the first £425,000.
If you’re buying a second home or a buy‑to‑let, you pay an extra 5% on the entire purchase price. However, if you’re replacing your main residence (selling your old home), you may avoid the surcharge – we can check this for you.
From April 2021, non‑UK residents pay an extra 2% on top of the standard or higher SDLT rates. This applies to both individual and corporate buyers.
Straightforward returns start at £195 fixed fee, including relief review and HMRC filing. Complex cases quoted after a free call.
Our fixed‑fee service ensures you pay the correct SDLT (or claim full relief) and file on time.
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