First Time Buyers and Stamp Duty Land Tax

Posted on 21 February 2011 by Jeremy

My partner and I are just about to buy a house. I have never owned before whilst my partner was on the mortgage with her ex but was never on the deeds, he had bought the house before they were married. After they divorced she took a settlement and came off the mortgage. Our question is, given that neither of us has been on the deeds, are we both first time buyers and therefore exempt from SDLT or will we have to pay?


The following is taken from the Government website

"First-time buyers

If you are a first-time buyer the threshold for when you start to pay SDLT is £250,000. This is only if you have never owned a house or flat in the UK or anywhere else in the world. If you are buying with someone else they must never have owned property before either. This higher threshold applies to purchases made on or after 25 March 2010 and before 25 March 2012."

It is possible that your partner was named on the mortgage and not the title deeds, but this is unusual. I recommend that you check this before working out what you can and cannot afford to purchase.


Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

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