Stamp duty works out as a percentage of the property you're buying. The more expensive the property, the higher the percentage you'll pay. However, if you're buying your first home, the first £425,000 of any property that costs up to £625,000 is stamp duty-free. For homes worth over £625,000, the discount does not apply.. 3. Make the most of available governemnt schemes. There are government initiatives designed to give people a leg-up on to the housing ladder. Investigate whether you are eligible for Shared Ownership, Help to Buy and localised council versions of these schemes. Visit the government's Shared Ownership website to investigate whether you are.
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Things will really move up a gear when an official scheme aimed at increasing the availability of 95% mortgages goes live on 19 April.. to buy a property costing up to £600,000, and the caps.. The negative side of rising prices. If your property is worth £100,000 and goes up in value by 10%, it is now worth £110,000. However, if the property you want to buy costs £200,000 and it also goes up 10%, it now costs £220,000. Although the percentage increase is the same, the pound amount is not. Prices don't rise uniformly across all.
