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Stamp Duty Changes 2025: What Buyers Need to Know

Fri 13 Jun 2025

Thinking of buying a property in 2025? Whether you're a first-time buyer, moving up the ladder, or investing in a second home, it's important to understand the recent changes to Stamp Duty Land Tax and how they affect you.

What is Stamp Duty?

Stamp Duty Land Tax (SDLT) is a government tax you pay when purchasing property or land in England and Northern Ireland. It applies to both freehold and leasehold properties, whether you're buying outright or with a mortgage. The amount you pay depends on:

  • The purchase price of the property

  • Whether you’re a first-time buyer

  • If the home is your main residence or an additional property

What changed in April 2025?

From 1 April 2025, the government introduced new SDLT rules, and for many buyers, this means higher tax bills. Key changes at a glance:

  • The 0% tax threshold was reduced from £250,000 to £125,000 for standard buyers

  • The 0% band now applies only to homes up to £300,000 (previously £425,000) for first-time buyers

  • The surcharge for second homes and buy-to-let investments increased from 3% to 5%

If you're planning to buy or sell in 2025, our expert team is here to help you:

  • Estimate your Stamp Duty costs

  • Understand how the changes affect your property plans

  • Navigate the buying process with confidence