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A new year. A new beginning. A new home.

I have never truly understood New Years.  Why people make resolutions for a new year?  I’ve always believed why put off what you can do today.  Why plan change on January 1st?  It’s all mighty odd to me!

It’s been explained to me that people see it as hope.  Hope for something better.  Change of some type.  Many people decide in the New Year to move house.  Sometimes is due to new relationships.  For others it coincides with a new job. Many new first time buyers flock to the market having decided to leave home.  Older clients will put their home for sale with plans to physically move in the spring as the weather gets better.  It all starts to happen in January!

2014 has been a good year for us and if I’m honest my hope and plan for 2015 is that it continues.  There’s no reason why it shouldn’t as even December has been strong on sales and let’s!

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Thank Goodness the Internet does NOT sell houses!

Internet shopping.  I’ll be honest.  I hate it.  I’ve tried it for the first time this month.  Shopping for clothes for me and gifts for family and friends.  People saying buying houses is stressful.  Believe me, when I say it’s nothing compared to online shopping.  Clothes have arrived which don’t fit.  Fabrics aren’t what I expected them to be and even worse Mr JDG’s birthday present hasn’t arrived in time.  Like many others I am missing Xmas presents which should have been here almost a week ago.n I’m sticking to high street shopping in the future.  Thank goodness we don’t buy houses online.  Can you imagine it!

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Stamp Duty Changes

Has Christmas come early for many?

The Chancellor George Osborne has released his Autumn statement and for once it was great news for the housing market. For years there has been call for reform.  The system was outdated and in many ways punished buyers who ventured into higher price brackets.  House prices which hovered around the £125,000, £250,000 and £500,000 were held back due to a buyers reluctance to pay any more due to the jump in stamp duty.  For example a house at £250,000 would cost a buyer £2500 in stamp duty.  Pay a penny more and the stamp duty jumped by £5000 to £7500.  Not anymore!  Under the new scheme 98% of buyers will be better off as nobody will pay stamp duty on the first £125,000.  The system then becomes tiered.  A bit like how income tax works really.

What are the new rates?

We’ve created this table to show you how the new rates work and how they apply to you.  If however you are struggling to work them out, you can either give me a call or click here and use the handy calculator which has been provided by HMRC.

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