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Calculators
Buy-to-let stamp duty

Buy-to-let stamp duty calculator

Estimate the tax on a buy-to-let property bought in your own name or through a company. Choose where you are buying and the rates for your purchase to see your estimated bill and a breakdown.

Your details

Estimate the purchase tax on one buy-to-let property, bought in your own name or through a limited company/SPV.

Enter the full purchase price in whole pounds.

Where are you buying?

Different property taxes apply across the UK. Your estimate uses the rates for your chosen location.

How are you buying?

Choose who will legally own the buy-to-let property.

Your results

Enter the purchase price and location, tell us how you are buying, then select Calculate tax.

Important information

These estimates cover one buy-to-let property bought by individuals or a limited company/SPV. They are for general information, not personal tax, legal or mortgage advice.

Results depend on your answers and the assumptions below. The calculator cannot confirm your tax status or relief eligibility. Ask your solicitor or conveyancer to confirm the final bill before completion.

Rates checked: 12 September 2026. Estimates are rounded down to whole pounds, with rounding reflected in the breakdown. Tax rules and rates may change.

Assumptions and exclusions

For personal purchases, the calculator uses the rates you select and excludes any non-UK resident SDLT surcharge. First-time buyer relief does not apply to a property bought to let.

For companies, it applies company rules using your answers. In England and Northern Ireland, “Yes” includes the 2% non-UK resident surcharge, “No” excludes it, and “Not sure” shows both possible totals. UK company registration alone does not determine whether the surcharge applies.

For company purchases above £500,000 in England and Northern Ireland, confirmed rental-business relief uses the usual additional-property bands. Without that relief, the calculator applies 17% to the whole price, plus the 2% surcharge if applicable. Changes in use within three years can lead to relief being withdrawn. Other reliefs, exemptions and transitional rules are excluded.

It does not cover purchases by trusts or partnerships, joint purchases by a company and an individual, shared ownership schemes, linked transactions, multiple dwellings, mixed-use property or tax on lease rents.

Transfers into a company and purchases from connected sellers are excluded, as tax may depend on market value rather than the price paid. Special ownership or lease arrangements may also change the tax due.

Your next steps

Use these tools to plan your buy-to-let borrowing, explore mortgage rates, estimate repayments and see how your deposit affects your loan-to-value.

MORTGAGE RATES

Explore current mortgage rates and fees

Review rates and product fees as you plan your buy-to-let borrowing. The options available will depend on the property, expected rent and your circumstances.

Compare mortgage rates → 

REPAYMENTS

Estimate your monthly mortgage repayments

See how the loan amount, interest rate and term affect monthly payments on a repayment mortgage. Allow separately for letting costs and periods without rent.

Calculate repayments →

LOAN-TO-VALUE

Understand your deposit and loan-to-value

See what share of the property’s value your mortgage would cover, based on your deposit. This percentage is your loan-to-value, or LTV.

Calculate your LTV →

How Muttuo can help

Whether you are buying in your own name or through a limited company, our advisers can help you plan your buy-to-let borrowing. We’ll review your deposit, expected rent and circumstances, compare mortgage options from 100+ lenders and guide you through the application.

Speak to a mortgage adviser

Your questions answered

In England and Northern Ireland, stamp duty usually applies in bands to different parts of the purchase price.

For example, a £200,000 buy-to-let where additional-property rates apply attracts £6,250 on the first £125,000 and £5,250 on the remaining £75,000. This gives an estimated bill of £11,500, excluding any non-UK resident surcharge.

If you are buying in your own name and this will be the only house or flat you own, standard rates may apply, even if you rent the home you live in. Property owned by someone you are buying with, your spouse or civil partner, can affect the position.

First-time buyer relief is not available when you buy a property solely to rent out.

Yes. Select “Through a limited company/SPV” and the calculator applies company rules. For purchases in England or Northern Ireland, it also asks about the non-UK resident surcharge and, above £500,000, rental-business relief.

It does not cover transferring an existing property into a company or buying from a connected seller.

Yes. Select where the property is located:

  • England and Northern Ireland: Stamp Duty Land Tax (SDLT).
  • Scotland: Land and Buildings Transaction Tax (LBTT), with the Additional Dwelling Supplement (ADS) when applicable.
  • Wales: Land Transaction Tax (LTT).

The calculator uses the standard or additional-property rates you select for that location. The same purchase price can produce a different tax bill in each part of the UK.

 

Generally, no. For the straightforward purchase of one buy-to-let property for less than £40,000, additional property tax normally does not apply.

The calculator reflects this threshold. Linked transactions and special ownership or lease arrangements may need a different calculation.

Yes. Your ownership arrangements, tax residence, relief eligibility and purchase details may affect the amount due. The calculator uses your answers and its stated assumptions.

If you select “Not sure” for the company’s non-UK resident surcharge, it shows estimates with and without that charge. Ask your solicitor or conveyancer to confirm the final bill before completion.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some buy-to-let mortgages.