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SDLT Query
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EmsLdn
Posts: 58 Forumite
Hello all,
My apologies if this question has already been asked a number of times - I was unable to find the answer.
My husband and I are exploring homeownership together. He has never owned a property before. I have had my name on a property before with an ex partner who needed my details to boost his buying power - our financial relationship was dissolved a decade ago and I am now unable to find records of whether or not I was ever an 'owner' of the property. I paid no money towards the mortgage or the deposit, and never lived in the property.
Does my prior property situation mean I was actually a property owner, and therefore ineligible for any SDLT discounts for a property under £500,000? If I am indeed disqualified from the discount, does my presence in a future purchase remove my husband's discount, also?
We've been saving for a while but will need to save for even longer (and therefore pay more rent) if we now need to save for stamp duty too.
Cheers for your advice and guidance :beer:
My apologies if this question has already been asked a number of times - I was unable to find the answer.
My husband and I are exploring homeownership together. He has never owned a property before. I have had my name on a property before with an ex partner who needed my details to boost his buying power - our financial relationship was dissolved a decade ago and I am now unable to find records of whether or not I was ever an 'owner' of the property. I paid no money towards the mortgage or the deposit, and never lived in the property.
Does my prior property situation mean I was actually a property owner, and therefore ineligible for any SDLT discounts for a property under £500,000? If I am indeed disqualified from the discount, does my presence in a future purchase remove my husband's discount, also?
We've been saving for a while but will need to save for even longer (and therefore pay more rent) if we now need to save for stamp duty too.
Cheers for your advice and guidance :beer:
:hello: :footie:
0
Comments
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Yes you are no counted as a FTB as you owned or part owned a property0
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Have you been able to obtain a copy of the title deeds to the previous property?in S 38 T 2 F 50
out S 36 T 9 F 24 FF 4
2017-32 2018 -33 2019 -21 2020 -5 2021 -4 20220 -
Hi @need an answer,
I have not requested title deeds to the property as I assumed the deeds would show current owner information. Would they show historical ownership also?
Off to investigate!
Thanks,
Emma:hello: :footie:0 -
You can apply for historical copies of the title register.0
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