Stamp Duty on a £125,000 property

Buying a residential property for £125,000 in England or Northern Ireland costs £0 in Stamp Duty Land Tax for a standard buyer. A first-time buyer pays £0, and someone buying an additional property pays £6,250. In Wales the Land Transaction Tax at the main rates is £0.

The working, standard buyer

0% on £125,000 (£0 to £125,000): £0

Total: £0, which is 0.00% of the price.

The other cases

First-time buyer	£0
Additional property (higher rates)	£6,250
Wales, main rates	£0
Wales, higher rates	£6,250

Things to know

At this price a first-time buyer pays nothing extra either way.
The higher rates add 5 percentage points to each standard band in England and Northern Ireland, so the extra on this price is £6,250.
The tax is paid within 14 days of completion, usually by your conveyancer on completion day.

Common questions

How much Stamp Duty on a £125,000 property?

In England and Northern Ireland: £0 as a standard buyer, £0 as a first-time buyer, £6,250 buying an additional property. In Wales Land Transaction Tax is £0 at the main rates.

Use the calculator

Sources

England and Northern Ireland Stamp Duty Land Tax: GOV.UK, "Residential property rates" (gov.uk), "Stamp Duty Land Tax: buying an additional residential property" (gov.uk) and "Rates for non-residential and mixed land and property" (gov.uk), read on 13 November 2026.
Wales Land Transaction Tax: GOV.WALES, "Land Transaction Tax rates and bands" (gov.wales), read on 13 November 2026; the page shows it was last updated on 10 December 2024.
Scotland Land and Buildings Transaction Tax: Revenue Scotland, "Residential property", "The Additional Dwelling Supplement (ADS)" and "Non-residential property" (revenue.scot), read on 13 November 2026.

Rates read on 13 November 2026 from GOV.UK, GOV.WALES and Revenue Scotland for freehold residential purchases. They change with Budgets: check the current rate with HMRC (England and Northern Ireland) or the Welsh Revenue Authority (Wales) before you buy. Scotland charges Land and Buildings Transaction Tax, from Revenue Scotland. This site is independent and gives arithmetic, not legal or tax advice.