How much is it if I've owned a home before?

£8,750 in England or Northern Ireland, £10,850 in Scotland and £9,000 in Wales. That's for replacing your main home. An extra home or buy-to-let pays a surcharge on top.

Who counts as a first-time buyer?

Everyone buying must never have owned a home, in the UK or anywhere else, and must be going to live in it. If you buy with someone who has owned before, the relief doesn't apply.

How much cash do I need to buy a £375,000 home?

About £26,400 in England with a 5% deposit: £18,750 deposit, £3,750 Stamp Duty, and about £3,900 for legal fees, searches, a survey and moving.

What salary do I need for a £375,000 home?

Many lenders lend around 4.5 times income, so a £356,250 mortgage with a 5% deposit would need about £80,000 a year, alone or together. Only a lender can say what they'd lend you.

Stamp duty calculator

Rates checked 2026-10-01

Stamp duty on a £375,000 house

A first-time buyer pays £3,750 Stamp Duty on a £375,000 home in England or Northern Ireland. Someone moving home pays £8,750. In Scotland it's £10,250 LBTT for a first-time buyer, and in Wales £9,000 LTT.

On a £375,000 home, by nation
Where	First-time buyer	Moving home
EnglandStamp Duty	£3,750	£8,750
Northern IrelandStamp Duty	£3,750	£8,750
ScotlandLBTT	£10,250	£10,850
WalesLTT	£9,000	£9,000

For your main home. An extra home or buy-to-let pays a surcharge on top. See it band by band

The cash you'd need on day one

5% deposit: £18,750
Stamp Duty: £3,750
Fees and moving: £3,900
Total: £26,400

A first-time buyer in England. Many lenders would want an income of about £80,000 for the mortgage. What £80,000 a year reaches

Common questions

Do first-time buyers pay stamp duty on £375,000?: A first-time buyer pays £3,750 Stamp Duty on a £375,000 home in England or Northern Ireland. In Scotland it's £10,250 and in Wales £9,000.
How much is it if I've owned a home before?: £8,750 in England or Northern Ireland, £10,850 in Scotland and £9,000 in Wales. That's for replacing your main home. An extra home or buy-to-let pays a surcharge on top.
Who counts as a first-time buyer?: Everyone buying must never have owned a home, in the UK or anywhere else, and must be going to live in it. If you buy with someone who has owned before, the relief doesn't apply.
How much cash do I need to buy a £375,000 home?: About £26,400 in England with a 5% deposit: £18,750 deposit, £3,750 Stamp Duty, and about £3,900 for legal fees, searches, a survey and moving.
What salary do I need for a £375,000 home?: Many lenders lend around 4.5 times income, so a £356,250 mortgage with a 5% deposit would need about £80,000 a year, alone or together. Only a lender can say what they'd lend you.

A guide, not tax advice. Your solicitor will confirm the figure for your purchase.

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