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wangw
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Last Activity: 22-04-2021, 20:03 PM
Joined: 11-10-2020
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  • wangw
    replied to Gift Property to avoid Stamp Surchage
    I suppose the other alternative is to buy the property 2 in her name (provided she can afford the new mortgage, if not we can look at JBSP), wait till legally married and we are free to transfer the properties between us. With interest rates where it is, the actual tax savings would probably be min...
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  • wangw
    replied to Gift Property to avoid Stamp Surchage
    yeah it is a good question. as it will be a BTL so will just be the usual BTL prudent tests, hopefully just a question of can the rent cover the amount we want to borrow. I think some banks may not be willing to lend to her if she has no other main residence (i.e. HSBC has this rule).

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  • wangw
    started a topic Gift Property to avoid Stamp Surchage

    Gift Property to avoid Stamp Surchage

    Hi guys,

    1st post here thought I try my luck here.

    I have a fairy basic question which I thought many would have come across. I currently own 100% of my main residence (call property 1), and I live with my unmarried partner who has no property under her name. I am at 45% tax...
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