We explain first-time buyer stamp duty relief in plain English, handle it correctly, and make sure you claim every relief you are entitled to, all at a fixed fee.
First-Time Buyer Stamp Duty Relief
First-time buyers can claim Stamp Duty relief, paying less or no Stamp Duty on a purchase up to a limit, but the rules on who counts as a first-time buyer are strict and the thresholds have changed, so it is easy to claim wrongly or miss out.
We confirm whether you qualify for first-time buyer relief, apply the correct thresholds, and make sure the relief is claimed properly, or, if you have overpaid because it was missed, help you reclaim it from HMRC.
The definition of a first-time buyer is strict, neither buyer can have owned property anywhere before, and the thresholds changed recently, so both wrongful claims and missed relief are common. Getting it right avoids overpaying or a later challenge.
The Detail That Matters
First-time buyers can pay reduced or no Stamp Duty up to a limit, but the rules on who qualifies are strict and the thresholds have changed. It is easy to claim wrongly, or to overpay because the relief was missed at completion.
First-time buyers pay no Stamp Duty up to a threshold and a reduced rate on the portion above it, up to a purchase price cap. The exact thresholds have changed over time, so the right figures for your completion date matter.
Neither buyer can have ever owned a residential property anywhere in the world. If either has owned before, even abroad or inherited, the relief is lost, a strict test that catches joint purchases out.
If you qualified but the relief was not applied at completion, the overpaid Stamp Duty can be reclaimed from HMRC. Conveyancers sometimes miss it, so overpayments are more common than people realise.
We confirm eligibility, apply the correct thresholds for your completion date, and either ensure the relief is claimed or reclaim it where it was missed.
The common errors are claiming when a joint buyer has owned property before (so the relief is lost), and overpaying because the relief was simply not applied at completion, leaving a reclaim on the table.
Key Figures
How We Help
We confirm whether you meet the strict first-time buyer conditions, so the relief is claimed correctly and not challenged later.
We apply the current first-time buyer thresholds accurately, so you pay the right Stamp Duty and claim the relief you are due.
If you qualified but the relief was missed at completion, we help reclaim the overpaid Stamp Duty from HMRC.
All the forms, calculations and correspondence handled on your behalf, so you never have to decode HMRC's rules or sit on hold.
A clear fixed fee quoted after a free call, your position explained in plain English, and never a surprise bill.
We act quickly, and where earlier years are involved we put those right too, reclaiming refunds or minimising penalties.
First-time buyer relief is often missed at completion or claimed when a buyer does not actually qualify. Confirming eligibility and the right thresholds, or reclaiming overpaid duty, is where we help.
Recent Client Outcome
A first-time buyer had paid full Stamp Duty at completion because the relief was not applied.
What we did. We confirmed they met the first-time buyer conditions, established the relief should have applied, and reclaimed the overpaid Stamp Duty from HMRC.
The outcome. They recovered a meaningful sum they did not know they were owed, simply because the relief had been overlooked at completion.
Checking eligibility and the correct thresholds recovered Stamp Duty that should never have been paid.
Why People Come to Us
Questions Answered
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