How much stamp duty do I pay on a £700,000 house?

A standard home mover pays £25,000 in Stamp Duty (3.57% effective rate). Because the purchase price exceeds £500,000, first-time buyers pay the standard rate of £25,000.

How much is buy-to-let stamp duty on £700,000?

For additional properties and buy-to-let, a 5% surcharge applies across all bands, making the total SDLT £60,000.

When must stamp duty on £700,000 be paid?

SDLT must be filed and paid to HMRC within 14 days of property completion.

Stamp Duty on £700,000 House (2026/27)

Stamp Duty on a £700,000 House

Standard home buyers pay £25,000 SDLT on a £700,000 property in England and Northern Ireland (3.57% effective rate).

Standard Stamp Duty

£25,000

Effective rate: 3.57%

First-Time Buyer

£25,000

No FTB relief (over £500k)

Second Home / BTL

£60,000

Includes +5% surcharge (8.57%)

Non-UK Resident

£39,000

Includes +2% levy (5.57%)

Band-by-Band Calculation for £700,000

SDLT is calculated in stepped progressive slices across each statutory rate band:

SDLT Band	Statutory Rate	Taxable Portion	SDLT Due
Up to £125,000	0%	£125,000	£0
£125,001 to £250,000	2%	£125,000	£2,500
£250,001 to £700,000	5%	£450,000	£22,500
Total Standard SDLT Liability			£25,000

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£700,000 Mortgage & Affordability Context

Estimated 10% Deposit

£70,000

Upfront cash required

Est. Monthly Mortgage

£3,136/mo

At ~4.5% over 25 years

Household Income Needed

~£140,000/yr

At typical 4.5x lending cap

Upfront Total Cash

£95,000

10% Deposit + Standard SDLT

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