Stamp Duty Guide

Stamp Duty for First-Time Buyers

First-time buyers may be able to pay reduced stamp duty or no stamp duty at all, depending on the property price and eligibility rules. This guide explains the basics before you calculate your estimate.

Do first-time buyers pay stamp duty?

Some first-time buyers pay less stamp duty than other buyers. In some cases, they may pay nothing, depending on the price of the home and whether they meet the first-time buyer criteria.

This relief can make a meaningful difference because buying your first home already comes with large upfront costs.

Who usually counts as a first-time buyer?

You have never owned a residential property before.
You are buying a home to live in as your main residence.
If buying with someone else, eligibility may depend on both buyers’ property history.

Why first-time buyer relief matters

Stamp duty relief can free up money for other costs, such as furnishing, moving, surveys, repairs, or a bigger deposit.

It is worth checking early so you know whether your target property price still fits your full budget.

Check your first-time buyer estimate

Use the Stamp Duty Calculator to estimate how much you might pay as a first-time buyer.

Use Stamp Duty Calculator →

FAQs

Can first-time buyers avoid stamp duty completely?

They may pay no stamp duty on some purchases, depending on the property price and eligibility rules.

Do both buyers need to be first-time buyers?

If buying jointly, eligibility can depend on the property history of both buyers.

Does first-time buyer relief apply to buy-to-let?

First-time buyer relief is generally intended for a main residence, not investment purchases.

Should I check stamp duty before viewing houses?

Yes. Knowing the likely stamp duty cost helps you set a more realistic property budget.