Stamp Duty on £400,000
Stamp duty land tax on a £400,000 property — standard, first-time buyer, and additional-property rates, 2026.
England and Northern Ireland rates from 1 April 2025: 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above. First-time buyers pay 0% to £300,000 and 5% to £500,000, with no relief at all above £500,000 (standard rates apply to the full price). Additional properties carry a 5% surcharge on top of standard rates. Scotland (LBTT) and Wales (LTT) use different bands and aren't modeled here. Not tax advice.
Stamp duty on £400,000 by buyer type
| Buyer type | Stamp duty |
|---|---|
| Home mover / standard | £10,000 |
| First-time buyer | £5,000 (relief applied) |
| Additional property | £30,000 |
Frequently asked questions
How much is stamp duty on £400,000?
£10,000 for a standard home-mover purchase — an effective rate of 2.50%. First-time buyers pay £5,000 thanks to first-time buyer relief, and an additional property (second home or buy-to-let) costs £30,000 including the 5% surcharge.
Do first-time buyers pay stamp duty on £400,000?
Yes, £5,000 — the first £300,000 is 0%, and 5% applies to the £300,001–£400,000 portion.
What's the surcharge for a second home at £400,000?
An extra £20,000 (5% of the price) on top of the standard £10,000, for a total of £30,000.
Other property prices
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