UK Stamp Duty Guide 2025: Updated Rates and Key Insights

Stamp Duty Land Tax (SDLT) remains a crucial consideration for property buyers in the UK. With updates introduced in 2025, understanding how these changes affect your purchase is essential—whether you’re a first-time buyer, investor, or upgrading your family home.

What’s New in Stamp Duty for 2025?
In 2025, the UK government has adjusted thresholds to support first-time buyers and encourage regional investment.

• Properties under £300,000 may now qualify for reduced or zero stamp duty for first-time buyers.

• Second-home buyers and investors still face a 3% surcharge on additional properties.

• Luxury properties above £1.5 million continue to attract the highest rates.

How Much Will You Pay?
Stamp duty is calculated on a tiered system. For example:

• £0–£300,000: 0% (for first-time buyers)

• £300,001–£925,000: 5%

• £925,001–£1.5 million: 10%

• Above £1.5 million: 12%

These rates apply differently for non-UK residents, who may face an additional 2% surcharge.

Plan Ahead with Expert Advice
Understanding stamp duty obligations helps avoid surprises and ensures your budget aligns with your property goals. At TrustPoint, we provide expert guidance to help you navigate tax implications and find your ideal home across the UK.