Stamp Duty on a £325,000 Property — First-Time Buyer (2025)
Property price
£325,000
Stamp duty (SDLT)
£0
Effective rate
0.00%
Total purchase cost
£325,000
SDLT band breakdown
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £425,000 | 0% | £325,000 | £0 |
| Total SDLT | £0 | ||
England / Northern Ireland SDLT rates, April 2025 onwards. FTB relief applied (property ≤ £625,000). Buyer type: First-Time Buyer.
As a first-time buyer purchasing a £325,000 property, you pay no stamp duty. The SDLT first-time buyer relief provides a nil rate band up to £425,000 — saving you £6,250 compared to the standard rates. This relief is only available if the property price is £625,000 or less and you have never owned a property before.
Calculate stamp duty for any property
Use the interactive calculator to check SDLT for England, LBTT for Scotland, or LTT for Wales at any property price — including first-time buyer relief and buy-to-let surcharge.
Open stamp duty calculatorFrequently asked questions
How much stamp duty does a first-time buyer pay on a £325,000 property?
A first-time buyer purchasing a £325,000 property in England pays £0 in stamp duty (effective rate 0.00%). FTB relief provides a nil rate band up to £425,000 and a 5% rate on £425,001–£625,000. The relief is only available on properties up to £625,000. At this price, you pay no stamp duty at all.
What is the effective stamp duty rate on £325,000?
The effective SDLT rate on a £325,000 first-time buyer purchase is 0.00%. This is the total tax (£0) divided by the property price. The effective rate is always lower than the top marginal rate because SDLT uses a progressive slab system — each band only applies to the portion of the price within that band.
When do I have to pay stamp duty on a £325,000 property?
You must file your SDLT return and pay the £0 stamp duty within 14 days of completion. Your solicitor or conveyancer normally handles this on your behalf. Late filing incurs automatic penalties: £100 if up to 3 months late, rising to £200 after 3 months, plus interest on the outstanding tax.
Who qualifies as a first-time buyer for stamp duty relief?
You qualify as a first-time buyer if you have never owned a freehold or leasehold interest in a residential property anywhere in the world. This includes inherited property or property held in a trust. Both buyers must be first-time buyers for a joint purchase to qualify. The property must be £625,000 or less.
Can stamp duty on £325,000 be added to my mortgage?
You cannot directly add stamp duty to your mortgage. However, some lenders allow you to borrow more than the property value to cover SDLT and other costs — effectively bundling the £0 into your loan. This increases your LTV ratio and may affect the mortgage rate available to you. Most buyers pay stamp duty from their savings at completion.
How much stamp duty would I pay in Scotland or Wales on £325,000?
Scotland and Wales have their own property transaction taxes. In Scotland, LBTT (Land and Buildings Transaction Tax) uses different bands starting at £145,000. In Wales, LTT (Land Transaction Tax) has a nil rate band up to £225,000. Use the calculator above to compare rates across all three jurisdictions.
Related calculators
This calculator provides estimates only. Results are based on SDLT rates from April 2025 for England and Northern Ireland. Credibrate is not a tax adviser. For personalised advice speak to a qualified solicitor or conveyancer.
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