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Stamp Duty Calculator for Derbyshire and the Rest of England
Find out how much Stamp Duty you could pay on your next home. It works for first-time buyers, home movers and anyone buying a second home or buy-to-let. Based in Pride Park, Derby, we help buyers across Derbyshire and England plan their moving costs.
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Work Out Your Stamp Duty
Answer three questions. The notes next to each box explain what to pick and why it matters. This covers homes in England and Northern Ireland.
Please note: we are not tax specialists
We are mortgage advisers. This calculator gives a guide based on current HMRC rates, but it is not tax advice. For advice on your own tax position, speak to your solicitor, conveyancer or a qualified tax adviser.
Reviewed by Suzanne Bradshaw, Director, Mortgage & Finance Arena. Last updated September 2026.
You could pay
£0
How We Worked It Out
Stamp Duty is charged in slices. You pay each rate only on the part of the price that falls in that band.
| Price band | Rate | Amount taxed | Tax due |
|---|
This figure is a guide only. We are not tax specialists, so please ask your solicitor or conveyancer to confirm the Stamp Duty on your purchase. They normally file the return and pay it within 14 days of completion.
Want Help With the Rest of Your Costs?
Our Derby mortgage advisers can show you what you could borrow and what your monthly payments might look like. Leave your details and we will call you, usually within one working day.
Guide only. Not tax advice. Rates from GOV.UK.
Everything You Need to Know About Stamp Duty
How Stamp Duty Works
Stamp Duty Land Tax is paid when you buy a home in England or Northern Ireland. It is charged in bands, so each rate only applies to the part of the price in that band.
First-Time Buyer Relief
First-time buyers pay nothing on the first £300,000 and 5% on the part up to £500,000. Above £500,000, the relief is lost and standard rates apply.
Second Homes and Buy-to-Let
If you will own more than one home, an extra 5% is added to every band. Non-UK residents pay a further 2% on top.
Home Mover Rates
| Price band | Rate |
|---|---|
| Up to £125,000 | 0% |
| £125,001 to £250,000 | 2% |
| £250,001 to £925,000 | 5% |
| £925,001 to £1.5 million | 10% |
| Above £1.5 million | 12% |
First-Time Buyer Rates
| Price band | Rate |
|---|---|
| Up to £300,000 | 0% |
| £300,001 to £500,000 | 5% |
| Over £500,000 | Standard rates |
Additional Property Rates
| Price band | Rate |
|---|---|
| Up to £125,000 | 5% |
| £125,001 to £250,000 | 7% |
| £250,001 to £925,000 | 10% |
| £925,001 to £1.5 million | 15% |
| Above £1.5 million | 17% |
For second homes and buy-to-lets. Not charged on homes under £40,000.
Non-UK residents pay a further 2% on top of every band in all three tables.
Local Advice in Derbyshire
Our advisers work from Pride Park in Derby. We help first-time buyers, movers and landlords across the county plan their deposit and mortgage, so there are fewer surprises on completion day.
Buying Anywhere in England
Buying outside Derbyshire? We arrange mortgages across England by phone and video call. Scotland and Wales have their own property taxes, so this calculator does not cover them.
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Stamp Duty Calculator FAQs
No. We are mortgage advisers, not tax specialists. The calculator uses current HMRC rates to give you a guide. Your solicitor or conveyancer will confirm the exact amount, and a tax adviser can help with complex cases.
You must never have owned a home, or a share of one, in the UK or anywhere else. If you buy with someone, you must all be first-time buyers to get the relief. The home must be your main home and cost £500,000 or less.
Yes, at first. If you still own your old home on completion day, you pay the extra 5%. You can claim it back from HMRC if you sell your old main home within 3 years.
Yes. If you will own more than one home when you complete, the extra 5% is added to each band. This covers buy-to-lets, holiday homes and homes bought for family.
You must send a return to HMRC and pay within 14 days of completion. Your solicitor or conveyancer usually does this for you and adds it to their bill.
Some lenders let you borrow more to cover costs, but it means a smaller deposit and more interest over time. Most buyers pay it from savings. We can talk you through your mortgage options.
No. It covers England and Northern Ireland only. Scotland and Wales have their own property taxes with different rates.
Have a Question? Get in Touch
Prefer to tell us more about your plans first? Send us a message and a Derby-based adviser will get back to you directly.
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Want Advice Based on Your Own Circumstances?
Speak to one of our advisers about your mortgage, deposit and moving costs.
We are not tax specialists. This calculator gives a guide only and is not tax advice. It does not cover every case, such as shared ownership, mixed-use property, company purchases or buying six or more homes at once. Please check with your solicitor, conveyancer or a qualified tax adviser before you rely on the figure. Tax advice is not regulated by the Financial Conduct Authority. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).