Stamp Duty Land Tax (SDLT)
Tax on UK property purchases in England and Northern Ireland.
Full definition
The tax levied by HMRC on property purchases in England and Northern Ireland. Banded structure: 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above. First-time buyers get relief: 0% to £300,000, 5% to £500,000. Additional properties incur a 3% surcharge on top of standard rates. Scotland uses LBTT, Wales uses LTT.
How this affects you
Whether stamp duty land tax (sdlt) is relevant to your mortgage depends on your circumstances — lender, product, deposit, employment, credit profile, and stage of application. An FCA-authorised mortgage broker will tell you exactly where it applies to your case.
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