Stamp Duty on a £475,000 Property (2025)
Property price
£475,000
Stamp duty (SDLT)
£13,750
Effective rate
2.89%
Total purchase cost
£488,750
SDLT band breakdown
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £125,000 | 0% | £125,000 | £0 |
| £125,000 – £250,000 | 2% | £125,000 | £2,500 |
| £250,000 – £925,000 | 5% | £225,000 | £11,250 |
| Total SDLT | £13,750 | ||
England / Northern Ireland SDLT rates, April 2025 onwards. Buyer type: Standard Purchase.
Stamp duty on a £475,000 property is £13,750, giving an effective rate of 2.89%. The total cost of the purchase including SDLT is £488,750. Buy-to-let and second home purchases attract a 5% surcharge on top of these rates.
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 do I pay on a £475,000 property?
Stamp duty (SDLT) on a £475,000 property in England is £13,750, an effective rate of 2.89%. This is calculated using the standard residential bands: 0% on the first £125,000, 2% on £125,001–£250,000, 5% on £250,001–£925,000, 10% on £925,001–£1.5m, and 12% above £1.5m.
What is the effective stamp duty rate on £475,000?
The effective SDLT rate on a £475,000 purchase is 2.89%. This is the total tax (£13,750) 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 £475,000 property?
You must file your SDLT return and pay the £13,750 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.
Can I avoid stamp duty on a £475,000 property?
The only ways to legally reduce stamp duty on a £475,000 property are: (1) if you are a first-time buyer (nil rate up to £425,000), (2) if the property is below £125,000 (nil rate band), or (3) if you transfer the property between spouses/civil partners (exempt). Stamp duty cannot be avoided by structuring the purchase differently — HMRC's anti-avoidance rules are strict.
Can stamp duty on £475,000 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 £13,750 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 £475,000?
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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