Stamp Duty on a £400,000 House
Buying a £400,000 property? Standard buyers pay £10,000 in stamp duty. First-time buyers benefit from relief and pay £5,000 — half the standard rate. Use the calculator below for a full breakdown, and check whether including chattels in your purchase price means you could claim a refund.
Calculate Your Exact Bill
Pre-filled with £400,000. Adjust for your situation and see a full band-by-band breakdown.
If your purchase included moveable items — carpets, curtains, freestanding appliances, garden furniture — their value should have been deducted from the SDLT calculation. Most solicitors skip this step. HMRC allows refund claims for up to four years after completion.
Check if you qualify →Frequently Asked Questions
How much stamp duty do I pay on a £400,000 house?
Standard buyers pay £10,000: 0% on the first £125,000 (£0), 2% on the next £125,000 (£2,500), and 5% on the remaining £150,000 (£7,500).
How much stamp duty does a first-time buyer pay on a £400,000 house?
First-time buyers pay £5,000. The first £300,000 is exempt under first-time buyer relief, then 5% applies to the remaining £100,000.
What is the stamp duty on a second home worth £400,000?
With the 3% surcharge applied on top of standard rates, a second home or buy-to-let at £400,000 attracts £22,000 in stamp duty.
How much could I save with a chattels deduction at £400,000?
If £15,000–£20,000 of the purchase price related to moveable items, you could reduce your taxable consideration accordingly. At a £400,000 purchase, a £20,000 chattels allocation would bring the price down to £380,000 — saving around £1,000.
Think you overpaid?
Check your eligibility in 2 minutes. HMRC allows refund claims for up to four years after completion.
Estimate My Refund →