LTT on a £325,000 house in Wales
Buying a £325,000 home in Wales? A home mover pays £6,000 Land Transaction Tax, 1.85% of the price.
- Main rates
- £6,000
- Second home or buy-to-let
- £22,450
- Same price in England
- £6,250
- HMRC 2026/27 rates
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LTT on a £325,000 property in Wales is £6,000 for a home mover and £22,450 for a second home or buy-to-let.
How £6,000 is worked out
| Portion of the price | Rate | Tax |
|---|---|---|
| £0 to £225,000 | 0% | £0 |
| £225,000 to £325,000 | 6% | £6,000 |
| Total stamp duty | 1.85% | £6,000 |
£325,000 across the UK
Property tax on a home mover's £325,000 purchase in each nation. Wales has the highest nil rate band at £225,000, so cheaper homes pay less than in England.
The rest of a £325,000 purchase
With a 10% deposit you would borrow about £292,500. At 4.5% over 25 years that is £1,626 a month (see a £290,000 mortgage). Most lenders would want a household income of around £64,000: what £64,000 can borrow.
LTT on nearby prices
Questions people ask
Do first-time buyers pay less LTT on £325,000?
No. Wales has no first-time buyer relief, so first-time buyers pay the same £6,000 as anyone else. The nil rate band is already £225,000 for everyone.
How much LTT is due on a £325,000 second home or buy-to-let?
£22,450, using the higher residential rates that start at 5% from the first pound.
How does Wales compare with England on £325,000?
In England a home mover pays £6,250 stamp duty on £325,000, £250 more than the £6,000 LTT in Wales.