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About Me

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  1. I've just had a buyer pull out after 4 (!) months. I was just about to exchange contracts & move into a cottage that I'd set my heart on. So, I rang the agent, explained my situation & told them that I could get a let to but on my current house so as not to lose the new property. Vendors were ok with this. Then, after further investigation, I discover that the stamp duty surcharge applies whenever you buy a second property - even if it's going to be your primary residence & , in my case, it's a whopping £10k extra & I just can't afford it. I know you can claw it back if you sell within 18 months but I can't comfortably afford to front this money so the deal is off. I'm just so annoyed about this - it seems really poorly thought out. There must be loads of people in my situation who need to let to buy because they can't sell their house for whatever reason or perhaps need to relocate for a couple of years and don't want to rent in the place they are moving to so need to purchase a second home as their main residence. My understanding is that this is still in consultation but will come into effect after April 1. Anyone know if there are likely to be any last minute changes or if there's anywhere it's possible to get your thoughts heard over this apparently poorly thought through piece of legislation?
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