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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
SDLT when you have two homes
CadburyPurple
Posts: 20 Forumite
If I currently own two homes:
A - Main
B - Second
and I sell A in, e.g. Aug 2026, temporarily move to my second home full time, then buy a new main home any time between Aug-26 and Aug-29, will I just pay the normal rate of stamp duty as I'm replacing my main home, NOT the higher rate because I have 2 homes.
This is my understanding of the 3 year rule: I just want to check.
Grateful for the forum's expertise, in advance. Thank you.
A - Main
B - Second
and I sell A in, e.g. Aug 2026, temporarily move to my second home full time, then buy a new main home any time between Aug-26 and Aug-29, will I just pay the normal rate of stamp duty as I'm replacing my main home, NOT the higher rate because I have 2 homes.
This is my understanding of the 3 year rule: I just want to check.
Grateful for the forum's expertise, in advance. Thank you.
0
Comments
-
That's correct.1
-
-
Yes, that is right, if you have been living in home A as your main residence and you buy a new home intending to live in it as your only or main residence. The "replacement" rules then operate in your favour. The conditions are set out here: https://www.gov.uk/hmrc-internal-manuals/stamp-duty-land-tax-manual/sdltm09800CadburyPurple said:If I currently own two homes:
A - Main
B - Second
and I sell A in, e.g. Aug 2026, temporarily move to my second home full time, then buy a new main home any time between Aug-26 and Aug-29, will I just pay the normal rate of stamp duty as I'm replacing my main home, NOT the higher rate because I have 2 homes.
This is my understanding of the 3 year rule: I just want to check.
Grateful for the forum's expertise, in advance. Thank you.
You should ignore the sloppy .gov.uk guidance to the extent that it (wrongly) suggests it must be your most recent ("previous") residence which has to be sold: https://www.gov.uk/guidance/stamp-duty-land-tax-buying-an-additional-residential-property.1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards