Stamp Duty on a £450,000 House
A £450,000 purchase generates a £12,500 stamp duty bill for standard buyers, or £7,500 for first-time buyers. This is one of the most common price points in the UK market — and a chattels deduction can make a meaningful dent in the bill. Use the calculator to see your breakdown and discover your refund potential.
Calculate Your Exact Bill
Pre-filled with £450,000. 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 £450,000 house?
Standard buyers pay £12,500: 0% on the first £125,000 (£0), 2% on the next £125,000 (£2,500), and 5% on the remaining £200,000 (£10,000).
How much stamp duty does a first-time buyer pay on a £450,000 house?
First-time buyers pay £7,500. The first £300,000 is exempt, then 5% applies to the remaining £150,000.
What is the stamp duty on a £450,000 second home?
A second home or buy-to-let at £450,000 attracts £27,500 in stamp duty — standard rates plus the 3% surcharge on each band.
Can I reduce a £12,500 stamp duty bill?
Yes. If your purchase included carpets, curtains, freestanding appliances or garden equipment, their second-hand value can be deducted from the price before SDLT is calculated. On a furnished £450,000 property, a £20,000–£30,000 chattels schedule is realistic, potentially saving £1,000–£1,500.
Think you overpaid?
Check your eligibility in 2 minutes. HMRC allows refund claims for up to four years after completion.
Estimate My Refund →