We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Capital Gains tax

Hi everyone,

I was wondering if you could help me. My wife and I bought a residential property in 2014 and sold it in 2020. It was our main residence throughout this 6 years. I am assuming we will still need to complete a capital gains return?

If so, how do we compute the buying/selling/cost figures when it is jointly owned?

Also, I could not locate the Private Residence Relief in the online HMRC form. I am assuming once that is completed the gain should be £0.00?

Sorry if I have misunderstood capital gains tax rules, or if this has been asked before. I searched but couldnt find the answers in this forum.

Comments

  • badger09
    badger09 Posts: 11,701 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hi everyone,

    I was wondering if you could help me. My wife and I bought a residential property in 2014 and sold it in 2020. It was our main residence throughout this 6 years. I am assuming we will still need to complete a capital gains return?

    If so, how do we compute the buying/selling/cost figures when it is jointly owned?

    Also, I could not locate the Private Residence Relief in the online HMRC form. I am assuming once that is completed the gain should be £0.00?

    Sorry if I have misunderstood capital gains tax rules, or if this has been asked before. I searched but couldnt find the answers in this forum.
    If you lived in the house for the whole period of ownership, CGT does not apply to that house. 


     
  • Slithery
    Slithery Posts: 6,046 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    I am assuming we will still need to complete a capital gains return?
    No.      
  • Slithery said:
    I am assuming we will still need to complete a capital gains return?
    No.      
    Thank you. Even if it means I rented out one other property in the mean time. But the property I sold was always my main residence?
  • You will need to do a CGT return if/when you sell the property that is/was NOT your main residence.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601.1K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.