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We're dodging monstrous ￡22k stamp 義務法案 by building a shed office instead, says LEE BOYCE

Updated: 06:00 BST, 15 February 2024

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My wife Danielle and I are 現在／一般に living our own 見解／翻訳／版 of Love it or 名簿（に載せる）／表（にあげる） it, the Channel Four television show 前線d by 所有物／資産／財産王族 Kirsty Allsopp and Phil Spencer.

On the '名簿（に載せる）／表（にあげる） our home for sale' 味方する is Danielle. With baby number two 予定 soon, she feels we've outgrown our small but 機能の three-bedroom 半分-detached home in Essex suburbia, bought as first-time 買い手s in 2016.

She's gone 井戸／弁護士席 past the seven-year itch.

On the 'love it' 味方する is me. The cost of upsizing makes me feel nauseous and as a result, I've become the ultimate Captain Financially Sensible, Computer Says No 障壁 to moving. I also like our cosy home.

Phil 'n' Kirstie: We would be ideal 候補者s for Love it or 名簿（に載せる）／表（にあげる） it - the popular TV show 前線d by Phil Spencer and Kirstie Allsopp

In the crosshairs for Danielle: a detached home with four bedrooms, an open 計画（する） kitchen, still の近くに to the train 駅／配置する that gets us into London… and her 宗教上の grail - a 公共事業（料金）／有用性 room.

The 行き詰まり，妨げる? We're looking at a price tag of at least ￡700,000.

We've built up a n ice 厚板 of 公正，普通株主権 in our 現在の home, save diligently and have two decent salaries coming in.

But with a 所有物／資産／財産 price 妨げる／法廷，弁護士業始める，決める that high, we're talking about ￡22,500 on stamp 義務 for starters before we even start 存在 tempted to spend a little bit more.

And then there's the worry that we 手渡す that money over only for the goalposts to move again, take the stamp 義務 holiday of 2020, for example.

Indeed, the goalposts moved not that long after we bought our first home ? and paid stamp 義務 on it. These days, those taking their first step on the ladder don't 支払う／賃金 the 税金 up to ￡425,000.

Our monstrous 見込みのある stamp 義務法案 helps turn what could be a step up the ladder into even more of a 巨大（な） leap - and makes me feel like a 罠にかける would-be second stepper.

On 最高の，を越す of sky-high house prices and the stamp 義務重荷（を負わせる） come higher mortgage 率s (we locked into an ultra-low 率 for five years in 2021 and even 減ずるd the 称する，呼ぶ／期間／用語 by five years).

I keep pointing out that we're overpaying the mortgage and making an excellent dent into what we 借りがある the bank. I've never been keen to keep up with the Joneses and overstretch financially for the sake of it.

As a result of my sensible 味方する of the 審議, I've won the 戦う／戦い for now and a 妥協 has been reached. We've chosen to 改善する, not move.

Our new child will 相続する bedroom three, the box room, which we both 現在／一般に use as an office at さまざまな points during the week and 週末.

In the coming weeks, we will have a shed office built in the garden on an 存在するing patio area at the 支援する, which is 現在／一般に dead space.

At 10ft x 9ft, it's a 広大な／多数の／重要な size and comes in at ￡11,000. 認めるd, we're a little late to the party after the pandemic 'shoffice' にわか景気.

Indeed, last year, 研究示唆するd that typically a home office 追加するs ￡22,000 of value. That's not why we're doing it, but it feels like a 可能性のある extra 勝利，勝つ and neatly 追加するs to the stamp 義務 argument.

The price 含むs 十分な insulation, along with an electrician wiring it up with 力／強力にする, broadband and lighting.?

At half the cost of our 可能性のある stamp 義務, I'd much rather see our 支出 blossom into a 有形の資産 rather than as money for old rope in the form of a 税金 just for moving.

Also, it's likely to 追加する the ￡11,000 cost 支援する as value on our home, with many 買い手s now seeing a separate office space ? done 権利 ? as a 価値のある追加する-on.

I'm happy for our new baby to be 'stealing' the office. I'm not so keen on the 財務省 nabbing a 抱擁する chunk of cash for nothing.

Homebuyers paid a total of ￡11.8billion in stamp 義務 last year, によれば Coventry Building Society 分析 of HMRC 人物／姿／数字s.

This was lower than the 法案 for 2022, thanks to a 落ちる in 所有物／資産／財産処理／取引s and house prices after rising mortgage 率s made 買い手s nervier.

Homebuyers in England and Northern Ireland 現在／一般に支払う／賃金 stamp 義務 if a home costs most than ￡250,000, then it steps up on the 量 above thresholds.

Between ￡250,001 to ￡925,000 its 5 per cent; 10 per cent from ￡925,001 to ￡1.5million; and 12 per cent on any 黒字／過剰.

In March 2025, the starting point is 現在／一般に始める，決める to 減少（する） to ￡125,000 taking the 税金法案 on an 普通の／平均（する）定価つきの home in England from ￡3,018 to ￡5,518, によれば Coventry.

That would 追加する another ￡6,250 to my ￡700,000 example ? touching � �30,000.

You can check your own 見込みのある法案 for moving with our stamp 義務 calculator.

Stamp 義務 gets tinkered with every few years. Are changes 進行中で in the 予算 on 6 March?

I wouldn't be surprised to see more tinkering by the （ドイツなどの）首相／（大学の）学長 to 刺激する the 所有物／資産／財産 market after a limp 2023.

However, I don't think another stamp 義務 holiday is the 解答. The last one helped 所有物／資産／財産 prices ロケット／急騰する between summer 2020 and the end of 2021.

In my opinion, a 静める手段d approach to 大幅に減ずるing stamp 義務永久的に should be considered ? with a 保証（人） the goalposts won't be moved again for a long time to 追加する more certainty.

Until then ? and 直面するing a ￡30,000 stamp 義務法案 if we move in 2026 when our mortgage 取引，協定満了する／死ぬs ? I think I'll keep winning the 'love it' and stay put argument.

- A shorter 見解／翻訳／版 of this was in the Daily Mail on Wednesday 14 February. You can read it here: We can't afford to downsize! They're 動揺させるing around in large family homes - but retired couples 直面する抱擁する stamp 義務法案s

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