Stamp Duty (Second Home) Calculator
Estimate SDLT plus the 3% second‑home surcharge.
Calculate Stamp Duty
£
Rates change; this is an illustrative estimate.
Second home stamp duty calculator guide for UK buyers
WeCovr's second home stamp duty calculator helps UK buyers estimate SDLT plus the surcharge, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. across protection products. WeCovr also supports private medical insurance UK planning, while this guide explains surcharge basics.
What this second home SDLT calculator estimates
The calculator estimates SDLT for additional properties in England, including the 3% surcharge.
It does not cover reliefs or temporary rate changes.
Calculates standard SDLT bands.
Adds the 3% additional property surcharge.
Provides a quick estimate for budgeting.
When the surcharge applies
The surcharge typically applies to buy-to-let or second home purchases if you already own a property.
Why WeCovr supports property planning
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references HMRC guidance on SDLT additional property surcharges.
Additional property considerations
| Scenario | Surcharge | Impact | Notes |
|---|---|---|---|
| Second home | 3% | Higher SDLT | England only |
| Replacement main home | Possible refund | Lower SDLT | Rules apply |
| Company purchase | Varies | Potential higher rates | Seek advice |
Related WeCovr resources
FAQs
Does this include the 3% surcharge?
Yes. The estimate adds the 3% additional property surcharge.
Can the surcharge be refunded?
In some cases, if you replace a main residence, a refund may be available.
Does this cover Scotland or Wales?
No. Scotland and Wales use different property tax systems.
Is this a tax quote?
No. It is an illustrative estimate and should be confirmed with professional advice.