Home Mover vs Second Home Buyer — Stamp Duty Difference
How much more do you pay if the property is a second home or buy-to-let?
£300,000 property: - Home mover (replacing main residence): £2,500 - Second home / BTL: £17,500 - Difference: £15,000 (6x)
£500,000 property: - Home mover: £12,500 - Second home / BTL: £37,500 - Difference: £25,000 (3x)
£750,000 property: - Home mover: £25,000 - Second home / BTL: £62,500 - Difference: £37,500 (2.5x)
The 5% surcharge bites hardest at lower price points where it can multiply the bill several-fold.
Replacement loophole. If you sell your only main residence and buy a new one on the same day, the surcharge doesn't apply — you're not adding to your portfolio. If timings don't line up, you pay the surcharge upfront and can claim it back within 3 years once you sell the old place.
한국어 버전
이사 vs 세컨하우스 — 인지세 차이
세컨하우스/BTL이면 인지세를 얼마나 더 내나?
£300,000: - 이사 (주거지 교체): £2,500 - 세컨하우스/BTL: £17,500 - 차이: £15,000 (6배)
£500,000: - 이사: £12,500 - 세컨하우스/BTL: £37,500 - 차이: £25,000 (3배)
£750,000: - 이사: £25,000 - 세컨하우스/BTL: £62,500 - 차이: £37,500 (2.5배)
5% 가산세는 저가 구간에서 가장 충격적 — 원래 세금의 몇 배로 늘어남.
Replacement 예외. 본인 거주지 매도와 신규 매수가 같은 날이면 가산세 안 붙음. 시점 안 맞으면 일단 내고, 3년 안에 기존 집 팔리면 환급.