First-Time Buyers FAQ

Will first-time buyers have to pay stamp duty in 2026?

Yes, first-time buyers may still have to pay Stamp Duty, depending on the purchase price. Since the changes introduced in April 2025, first-time buyers in England pay 0% Stamp Duty on the first £300,000 of a property purchase, provided the total price does not exceed £500,000. If the property is priced between £300,001 and £500,000, 5% is charged on the portion above £300,000.

If the purchase price exceeds £500,000, first-time buyer relief does not apply and standard Stamp Duty rates are charged on the full purchase price. These thresholds remain in place in 2026 unless further government changes are announced.

Stamp Duty rules differ in Scotland and Wales, where separate property tax systems apply.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

Still weighing it up?

Every situation is different. Have a free, no-obligation chat and we will give you a straight answer for your circumstances.

01529 300500

What clients say

707 verified reviews, rated 5.0

260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor
VouchedFor

First time buyers, very nervous about the whole process. Looking to buy our forever family home. Seth took all the stress and all the nerves and made this process so easy and smooth for us. Seth was reliable, knowledgeable and extremely kind throughout. Absolutely.

Verified client in Lincolnshire
707
Five-star reviews
260
on Google
447
on VouchedFor
5.0★
Average rating

Read all 707 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

01529 300500
Free until your offer is approved No jargon, no pressure Whole-of-market advice

Your home/property may be repossessed if you do not keep up repayments on your mortgage.