Stamp Duty Refund Calculator
Thousands of UK homebuyers overpay Stamp Duty each year. Whether you missed first-time buyer relief or paid the additional property surcharge before selling your old home, you may be owed a refund.
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The most common SDLT refund scenario occurs when you buy a new home before selling your existing one. You'll pay the 5% additional property surcharge upfront, but can reclaim it once the old property sells — provided this happens within 36 months.
Use this calculator to check whether you're owed a refund and estimate the amount. Remember that HMRC has strict time limits for claims, so it's important to act promptly.
Stamp Duty Refund Calculator
Check if you've overpaid Stamp Duty (SDLT) and estimate how much you could reclaim from HMRC.
Refund Estimate
Correct SDLT for This Property
£7,500
Potential Refund
£17,500
You may reclaim the 5% additional property surcharge if you sell your previous main residence within 36 months of buying the new one.
How to Claim Your Refund
- You must claim within 12 months of selling your previous main residence (or 12 months after the filing date, whichever is later)
- Submit an amended SDLT return to HMRC using the online service or by letter
- Include your SDLT unique transaction reference number (UTRN)
- HMRC typically processes refunds within 15 working days
This is an estimate based on standard SDLT rates. Complex situations (e.g., company purchases, multiple dwellings relief, mixed-use properties) may affect the calculation. Consider seeking professional SDLT advice for significant refund claims.
Understanding Stamp Duty Refunds
When Can You Reclaim SDLT?
The most common SDLT refund scenario is the additional property surcharge reclaim. If you bought a new main residence before selling your old one, you'll have paid the 5% surcharge. Once you sell the old property within 36 months, you can reclaim the surcharge amount.
Other Refund Scenarios
- First-time buyer relief not applied at purchase
- Multiple dwellings relief (MDR) not claimed (note: MDR was abolished for transactions from 1 June 2024)
- Property price reduced after completion (e.g., due to defects)
- Transaction fell through after SDLT was paid
- Uninhabitable property relief (in some cases)
How to Submit Your Claim
For the additional property surcharge refund, use HMRC's online SDLT service or write to HMRC's Stamp Duty Land Tax team. You'll need your SDLT unique transaction reference number (UTRN), the date of both transactions, and evidence of the sale.
Frequently Asked Questions
Frequently Asked Questions
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