{"id":5092,"date":"2019-02-15T18:00:24","date_gmt":"2019-02-15T18:00:24","guid":{"rendered":"https:\/\/www.riaabarkergillette.com\/uk\/?p=5092"},"modified":"2024-11-19T19:28:44","modified_gmt":"2024-11-19T19:28:44","slug":"a-bonus-for-shared-ownership-buyers","status":"publish","type":"post","link":"https:\/\/www.riaabarkergillette.com\/uk\/a-bonus-for-shared-ownership-buyers\/","title":{"rendered":"A bonus for shared ownership buyers"},"content":{"rendered":"\n

That\u2019s because when Chancellor Hammond extended the stamp duty relief available to first-time buyers of shared ownership property in his Autumn 2018 budget, he also applied the extension retrospectively to any qualifying transactions that took place between 22 November 2017 and 29 October 2018.<\/p>\n\n\n\n

Since November 2017, relief has been available to first-time buyers of shared ownership property who opted for the full market value election, paying stamp duty on the value of the whole property, not just their share. The relief has been extended to the first premium for those opting to pay their stamp duty in stages and, in the case of a newly granted lease, to the portion calculated on net present rent value.<\/p>\n\n\n\n

For those paying in stages, first-time buyer relief will continue to be excluded from subsequent stages of any so-called \u2018staircasing\u2019. Normal stamp duty rates will apply for those purchases of a property with a market value in excess of \u00a3500,000.<\/p>\n\n\n\n

Stamp Duty Land Tax<\/a> (Stamp Duty or SDLT) is payable in England on residential property transactions where the market value is more than \u00a3125,000, with a tiered scale related to the purchase price. Still, there are different rules for buying your first home with a purchase price below \u00a3500,000. These provide a complete exemption from stamp duty for qualifying first-time buyers where the full market value of the property they’re buying is \u00a3300,000 or less, and a reduced bill when the full market value is \u00a3300,001 and \u00a3500,000. This can save up to \u00a35,000 on the stamp duty payable.<\/p>\n\n\n\n

When the property is being purchased under an approved shared ownership scheme, the calculations are more complex, and buyers can choose whether they pay Stamp Duty on the full market value or just on the value of the share they have purchased. Also, when buying a new lease for a newbuild shared ownership property, Stamp Duty is due on what is known as the \u2018net present value of rent\u2019.<\/p>\n\n\n\n

Property lawyer John Gillette<\/a> said:<\/p>\n\n\n\n

\n

\u201cAny first time buyer who completed on a shared ownership purchase on or after 22 November 2017 and opted to pay stamp duty in stages, can now make a claim for a refund of stamp duty. And those who elected to pay the full market value option should also check where they stand, if the purchase involved a new lease, as they may be due a rebate on the rental element, to which the relief has also been extended.<\/p>\n\n\n\n

Many first-time buyers could stand to benefit from the changes, as they are less likely to have opted for the market value election. It involves paying out a large sum up front in expectation of later staircasing, and it\u2019s often not a viable option for those starting out on the property ladder.\u201d<\/p>\n<\/blockquote>\n\n\n\n

Any claim must be made to HMRC no later than 28 October 2019. Refunds will also attract repayment interest at 0.5% for the period involved.<\/p>\n\n\n\n

John added:<\/p>\n\n\n\n

\n

\u201cFor those not yet on the property ladder and considering shared ownership, it\u2019s worth getting some guidance in advance to understand what costs will be involved at each stage as it can involve a complex set of calculations.\u201d<\/p>\n<\/blockquote>\n\n\n\n

Understanding the options on stamp duty for shared ownership purchases<\/h3>\n\n\n\n

Market value Election: pay upfront<\/h4>\n\n\n\n

You use the property’s total market value to calculate how much to pay, no matter what size share you are buying. You don\u2019t pay any more stamp duty after this, even if you buy a bigger share of the property later.<\/p>\n\n\n\n

Paying in stages: pay as you go<\/h4>\n\n\n\n

You use the price you pay for the lease \u2013 known as the \u2018lease premium\u2019 \u2013 if it\u2019s above the Stamp Duty threshold. If the lease premium is below the threshold, you don\u2019t pay Stamp Duty at this point. Those who qualify will receive the first-time buyer exemption on the SDLT against the lease premium but will not qualify for the exemption if they buy a bigger share of the property later.<\/p>\n\n\n\n

Staircasing<\/h4>\n\n\n\n

If you buy any more shares in the property, you don\u2019t have to pay any more Stamp Duty or send a return to HMRC until you own more than 80%. Still, once your share of the property goes over 80%, you must send a return and pay SDLT on the transaction that took you over 80% and any transactions after that. Once you own over 80%, earlier purchased shares may become linked so that Stamp Duty might become due on those previous shares. No first-time buyer relief will apply to staircasing share purchases after the initial lease premium transaction.<\/p>\n\n\n\n

SDLT on new leases<\/h4>\n\n\n\n

This is the complex part of the calculation when a new lease is involved, as you may have to pay Stamp Duty if the total rent over the life of the lease is more than \u00a3125,000. This is known as the \u2018net present value\u2019; SDLT is due at 1% on the amount over \u00a3125,000 and must be added to any Stamp Duty paid on the lease premium. It is calculated by calculating the current rent value you will pay to the housing association over the full length of your lease.<\/p>\n\n\n\n

For more information, contact John Gillette<\/a>.<\/h4>\n\n\n\n

Note: This article is not legal advice; it provides information of general interest about current legal issues.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

First-time buyers who bought a shared ownership property in the last twelve months should check if they are due a refund on any stamp duty paid. <\/p>\n","protected":false},"author":4,"featured_media":5093,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[9],"tags":[22],"class_list":["post-5092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-story","tag-residential-property"],"acf":[],"yoast_head":"\nA bonus for shared ownership buyers | RIAA Barker Gillette UK<\/title>\n<meta name=\"description\" content=\"Hammond extended the stamp duty relief available to first-time buyers of shared ownership property in his Autumn 2018 budget.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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