How to avoid stamp duty

There are a surprising number of loopholes in stamp duty rules that allow more people than just first-time buyers (FTBs) to benefit from the recent abolition of the duty on properties sold for less than £250,000.
There are a surprising number of loopholes in stamp duty rules that allow more people than just first-time buyers (FTBs) to benefit from the recent abolition of the duty on properties sold for less than £250,000. This is despite the strict definitions covering who qualifies as an FTB.

Give me some examples:


Where only one partner in a couple is an FTB, they could buy in that person’s sole name to benefit from the abolition of stamp duty for properties priced under £250,000, even if they both pay the mortgage.

Parents could buy in the name of an FTB son or daughter with cash or via a guarantor mortgage. However, the new rules say the FTB must “intend to occupy” the property as their only or main home, so no letting it out.

Any more tips?


Following a stamp duty-free purchase of a home of up to £250,000, the property could be transferred into joint ownership free of further duty.

If the transfer was an “unconditional gift”, with no money changing hands or mortgage debt being passed over to the new owner, a higher transfer of value could also be free of stamp duty.

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