Stamp Duty After Inheritance Calculator
How to Use This Calculator
The price you're paying for the property you're buying (not the inherited one).
Whether you still own the inherited property at completion is the key question for the 3% surcharge.
Each band is shown separately so you can see exactly how the tax is calculated.
If you later sell the inherited property within 3 years, HMRC will refund the surcharge on your new purchase.
Frequently Asked Questions
Does inheriting property affect first-time buyer SDLT relief?
Yes — if you inherit a residential property (or a share of one), you are no longer a first-time buyer for SDLT purposes. You cannot claim first-time buyer relief on future purchases.
Do I pay the 3% surcharge if I keep the inherited property?
If you own the inherited property at the point of completion on a new purchase, the 3% additional dwelling surcharge applies. This is because you will own two properties.
Can I avoid the surcharge if I sell the inherited property?
If you sell (or transfer your share of) the inherited property before or on the same day as completing your new purchase, the surcharge does not apply. Timing is critical.
What if I inherit a share of a property?
Inheriting any share — even a small percentage — counts as owning property. The 3% surcharge applies on your next purchase unless you dispose of that share first.
Can I reclaim the surcharge later?
Yes — if you buy a new main residence while still owning the inherited property, you pay the 3% surcharge, but can reclaim it if you sell the inherited property within 3 years. Claim within 12 months of selling the extra property.
What if the inherited property is overseas?
Overseas residential properties DO count for the additional dwelling surcharge if you're buying in England or Northern Ireland. If you own an overseas property and buy in England, the 3% applies.
Is there SDLT on the inherited property itself?
No — inheriting property is not a purchase transaction. No SDLT is due on the estate transferring property to beneficiaries, even if the estate pays inheritance tax.
What happens with joint buyers?
For SDLT, if ANY buyer has an interest in another property, the surcharge applies to the entire purchase. If you're buying jointly and only one of you owns the inherited property, the surcharge still applies.