Stamp Duty on a £225,000 buy-to-let
The exact Stamp Duty on a £225,000 additional property, band by band, with comparisons across the UK.
Key facts
- England and NI buy-to-let: £13,250 (5.89%).
- Replacing your main home instead: £2,000.
- Scotland: £19,600. Wales: £12,825.
- Pay within 14 days of completion (England and NI).
Stamp Duty on a £225,000 buy-to-let: band by band
Buying a £225,000 buy-to-let or second home in England or Northern Ireland costs £13,250 in Stamp Duty, an effective rate of 5.89%. That's £11,250 more than someone replacing their main home pays, because the 5% surcharge applies to every band.
| Slice of the price | Rate | Tax |
|---|---|---|
| £0 – £125,000 | 5% | £6,250 |
| £125,000 – £225,000 | 7% | £7,000 |
| Total | £13,250 |
How it compares
| Buyer | Tax on £225,000 |
|---|---|
| Buy-to-let / second home (England, NI) | £13,250 |
| Non-UK resident buy-to-let (England, NI) | £17,750 |
| Replacing main home (England, NI) | £2,000 |
| First-time buyer (England, NI) | £0 |
| Buy-to-let in Scotland (LBTT + 8% ADS) | £19,600 |
| Buy-to-let in Wales (LTT higher rates) | £12,825 |
Across the UK, a £225,000 buy-to-let costs least in Wales (£12,825).
Total cash needed
With a 25% deposit (£56,250), Stamp Duty of £13,250 and roughly £2,000 to £4,000 for legal fees, survey and mortgage fees, expect to need about £71,500 to £73,500 in cash. Check the rent covers the mortgage with the buy-to-let mortgage calculator.
Other prices: £100k · £125k · £150k · £175k · £200k · £250k · £275k · £300k · £350k · £400k · £450k · £500k · £600k · £750k · £1m
Frequently asked questions
How much is Stamp Duty on a £225,000 buy-to-let?
£13,250 in England and Northern Ireland, including the 5% surcharge on each band. A non-UK resident pays £17,750.
Is it cheaper to buy a £225,000 rental in Scotland or Wales?
On a £225,000 purchase, Scotland costs £19,600 (including £18,000 ADS) and Wales costs £12,825, against £13,250 in England.
Sources
- GOV.UK: Stamp Duty Land Tax residential property rates
- Scottish Government: Scottish tax ready reckoners 2026-27 (LBTT rates and ADS)
- Welsh Government: Land Transaction Tax rates and bands
Sources last checked 10 November 2026. See all our sources and how we keep pages up to date.