Most recent activity
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It'll be more like £15k saving.
In reality though the last time they tried this the property prices just jumped up by the saving.
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Waiting for the stamp duty announcement with interest. Due to be exchanging in two or three weeks so will see whether this will help or hinder.
If there is a cut I wonder whether the one I'm buying from will try and get a piece of it
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Surely they'd be able to charge more (or the same at least) acting for both parties rather than just one.
Although it is easier for them to charge outrageous fees if they're just working for the other side.
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Use your own is generally the answer.
Developers sometimes do this because there are certain nuances (such as shared ownership) that not all solicitors will necessarily be au fait with and it's easier to deal with someone who they know has the expertise.
Generally though they've worked out a cosy little deal where they send a lot of work their way and they don't make waves.
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That led me down a bit of a rabbit hole
https://thetab.com/uk/2020/06/10/we-spoke-to-the-boys-in-this-picture-and-theyve-had-enough-of-your-jokes-161026 -
Depending on your position you could have paid almost as most tax on the rent as you would on SDLT in a couple of years.
So long as it's not a pattern of buying and selling then accelerating one SDLT payment isn't going to make a huge deal of difference.
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Effectively it's all cash. Whether it comes from selling your previous property (and you may well never see the money as it may be instantly used to pay off mortgage and deposit for new place), withdrawing from an ISA, selling shares or other assets, it doesn't really matter.
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it would be great to build even greater equity in our place, in time for our next move
It doesn't really matter whether you build greater equity in your place, money in the bank, ISA, etc so long as you can access it when you buy the next place. It doesn't matter where the money comes from
If you're disciplined enough to save or overpay then the term doesn't mean that much.
If, on the other hand, if you have money you spend money then it may be best forcing yourself to put it into your mortgage by reducing the term and increasing repayments.
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I'd be tempted to look at an api like this https://the-odds-api.com/ or similar. You may need to look around for one that contains more than match odds.
Otherwise, when I've done this in the past it's been a matter of searching round different websites to either find something with a static web address or one that is easily recreated (e.g. the date, team names that follow a constant format, etc)
I'm not sure how many people are going to decide when they were never going to move due to this though. It's more likely to just accelerate transactions than prompt new ones.