Would we pay higher stamp duty if we marry before buying together? https://t.co/rYafhrUiaG Solicitors & Estate Agents In One Just £899 + vat .. https://t.co/eLmKfiYyW9 (via Twitter http://twitter.com/conveyandmove/status/1089782252286984192)
Sunday, January 27, 2019
Would we pay higher stamp duty if we marry before buying together?
We would be tenants in common on the joint property
Q Please can you advise me whether my partner and I should wait until we marry to buy a new home together or not. I own three rental properties and would probably need to sell my current home to buy with my partner. I am unsure if we would be liable for the extra stamp duty on the purchase if we marry before buying, or if I alone would pay on 50% of the purchase if we are tenants in common. VF
A How you jointly own property – whether as tenants in common or joint tenants – makes no difference to how stamp duty is charged. Both the standard and higher rates of stamp duty are charged on the full purchase price of the property. There was a fairly technical – and untested – tax loophole around the legal definition of what constituted a “major interest” in a property, which meant that married couples could, in theory, get out of paying the higher rate of stamp duty by being tenants in common rather than joint tenants. But this loophole was closed last November, so how you own property no longer makes a difference.
Continue reading...from Property | The Guardian http://bit.ly/2MzJYe5
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Lloyds unveils 100% mortgage for first-time buyers https://t.co/akttDeACpY Solicitors & Estate Agents In One Just £899 + vat .. https://t.co/eLmKfiYyW9
Lloyds unveils 100% mortgage for first-time buyers https://t.co/akttDeACpY Solicitors & Estate Agents In One Just £899 + vat .. https://t.co/eLmKfiYyW9 (via Twitter http://twitter.com/conveyandmove/status/1089769596813537281)
Lloyds unveils 100% mortgage for first-time buyers
Purchasers need no deposit if family can back the loan by moving 10% of price into bank’s saver account
Britain’s biggest lender is to offer 100% mortgages to first-time buyers in a return to lending last seen before the financial crash – but only if the buyer has family that can stand behind the loan.
Under the new Lloyds Bank “Lend A Hand” deal, a first-time buyer will be able to borrow up to £500,000 for a new home, without putting down a penny of deposit.
Continue reading...from Property | The Guardian http://bit.ly/2MzGDM4
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A blue to light your home – and your G&T | James Wong
Blossom from the easy-to-grow butterfly pea plant adds an amazing azure hue to food and drink
Having grown up in southeast Asia, I am perpetually fascinated by which normal, everyday ingredient from my childhood, from goji berries to coconut oil and turmeric, is going to be the next to be suddenly catapulted to luxury status in the west by our hunger for food trends and a good dose of “superfood” marketing. Now it seems there is indeed a new Asian kid on the food trend block and, strangely, it also lives a secret double life as a beautiful and easy-to-grow conservatory plant: the butterfly pea.
If you are looking for a stunning, exotic climber for a warm, bright spot indoors, which also just so happens to provide you with a trendy new ingredient (minus the eye-watering price tag), now is the time to order your seeds.
Continue reading...from Home And Garden | The Guardian http://bit.ly/2B5DzCW
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A blue to light your home – and your G&T | James Wong https://t.co/7lgVmw9Q7n Solicitors & Estate Agents In One Just £899 + vat .. https://t.co/eLmKfiYyW9
A blue to light your home – and your G&T | James Wong https://t.co/7lgVmw9Q7n Solicitors & Estate Agents In One Just £899 + vat .. https://t.co/eLmKfiYyW9 (via Twitter http://twitter.com/conveyandmove/status/1089481766052728832)
A blue to light your home – and your G&T | James Wong
Blossom from the easy-to-grow butterfly pea plant adds an amazing azure hue to food and drink
Having grown up in southeast Asia, I am perpetually fascinated by which normal, everyday ingredient from my childhood, from goji berries to coconut oil and turmeric, is going to be the next to be suddenly catapulted to luxury status in the west by our hunger for food trends and a good dose of “superfood” marketing. Now it seems there is indeed a new Asian kid on the food trend block and, strangely, it also lives a secret double life as a beautiful and easy-to-grow conservatory plant: the butterfly pea.
If you are looking for a stunning, exotic climber for a warm, bright spot indoors, which also just so happens to provide you with a trendy new ingredient (minus the eye-watering price tag), now is the time to order your seeds.
Continue reading...from Property | The Guardian http://bit.ly/2B5DzCW
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