Question

How much stamp duty do I pay on a second property?

Answered

The standard residential rates plus a 5% surcharge, and the surcharge applies to the whole price rather than just the top slice.

The surcharge rose from 3% to 5% on 31 October 2024. It applies to an additional residential property in England or Northern Ireland costing £40,000 or more. On a £250,000 purchase that is £12,500 of surcharge on top of £2,500 of standard duty, so £15,000 in total.

Non UK residents add a further 2%. Companies buying dwellings over £500,000 can face a flat 17% instead. Scotland and Wales have their own taxes with their own bands and neither works the same way.

Rates change at Budgets. The current position is on gov.uk, and your solicitor will confirm the figure for your purchase before you commit to it.

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