Stamp Duty, confusing, expensive, and often misunderstood. But if you're a first-time buyer in 2025, you might be paying less than you think… or even nothing at all.

In this episode of On The Ladder, Sarah Tucker, award-winning mortgage expert, founder of The Mortgage Mum, and regular contributor to This Morning, BBC and The Times, breaks down exactly how Stamp Duty Land Tax (SDLT) works in England and Northern Ireland, including the updated 2025 relief rules.

Joined by Gemma Bennett, acting Senior Mortgage Adviser, we'll guide you through:

✅ What Stamp Duty is — and why it exists ✅ Who qualifies for first-time buyer relief in 2025 ✅ How much you'll actually pay (with real examples) ✅ Why some buyers pay nothing at all ✅ Key rules for Shared Ownership and buying jointly ✅ Differences if you're buying in Scotland or Wales ✅ How and when Stamp Duty is paid ✅ Smart ways to plan for it in your buying budget

If you're planning to get on the property ladder, this episode is a must-listen.

🎓 On The Ladder is the no-jargon, expert-led podcast for first-time buyers in the UK — giving you the tools, knowledge, and confidence to take your next step toward homeownership.

🔗 Learn more: www.themortgagemum.co.uk 📲 Follow us on Instagram & TikTok: @the_mortgage_mum 📥 Subscribe for new episodes every month