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'What is a first time buyer? Stamp duty reduction...' blog discussion

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This is the discussion to link on the back of Martin's blog. Please read the blog first, as this discussion follows it.
Read Martin's "What is a first time buyer? Stamp duty reduction..." Blog.
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http://www.hmrc.gov.uk/budget2010/sdlt-qa-tech-1545.pdf
Loan: £21 211.65 CC1: £2885.89 CC2: £5 082.52
CC3: £6 704.13 CC4: £2 191.64
Total debt: £38 075.83 :mad:
Ditto (With some gender switching). I am a FTB, but not eligible because my G/F isn't. We would be happy to pay half SDLT in light of this, but as it is we are liable for all the tax.
I've been told we'll need a deposit of 25%, a rock bottom house here is around £90k with a lot of work needing done, and about £110k if it's got new kitchens, bathrooms etc, so stamp duty was never going to effect us.
But we need a deposit of at least £22,500 and with a household income of £22,300 it'll never happen.
What about low interest government loans to give people a head start on their deposits?
Want to out-bid a first time buyer on a 250k home? Offer 251k. You're paying the tax anyhow, but if they want to match or exceed your price, it is an extra 5k in tax for them.
What a moronic tax. As MSE Martin says, it should be like income tax - you only pay the tax on the bit _above_ 250k, 500k, 1m. Sometimes I think the government has its brains between its legs.