Podcasts about Stamp duty

Opposition leader Vincent Tarzia joins David & Will. Listen live on the FIVEAA Player. Follow us on Facebook, X and Instagram. Subscribe on YouTubeSee omnystudio.com/listener for privacy information.

Happy Tuesday! Rob & Rob are back to help two more listeners with their property questions…    (0:40) Mujtaba's remortgage is coming up, and he plans to use some savings to renovate his property to boost its value. He asks Rob & Rob how he can make sure the improvements are recognised by lenders when it comes to refinancing for both his home and any future investment properties.  (5:10) Rachel's in the process of buying her first residential home to live in, but she's still named on the mortgage for her buy-to-let property. With her name unlikely to be removed before completion, wonders whether she'll still be eligible for a refund on the additional stamp duty charge.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.  Find out more about Property Hub Invest 

If your home isn't working for you, should you pack up and move or get the builders in and improve?Moving is expensive, aside from the price of the house there's Stamp Duty and solicitors fees to think about. So, is it worth getting the builders in instead if you're desperate for an extra bedroom? Insurance firm Aviva predicts 7 million of us will renovate over the next two years, spending an average of £14,000 each. But what happens if the renovations go wrong, you run out of money, or you're hoping to move but no-one wants to buy your home?Felicity Hannah is joined by Beth Rudolf from the Conveyancing Association and Harvey Fremlin, Managing Director at The National Self Build & Renovation Centre.Presenter: Felicity Hannah Producer: Sarah Rogers/Helen Ledwick Editor: Jess Quayle(This episode was first broadcast at 3pm on Radio 4 on the 7th of May 2025)

I've been viewing houses this past fortnight, so I thought I'd share my anecdotal 2p on the state of the London property market.I'm looking in Brockley, SE4, which, if you don't know it, used to be rough AF, but is now where all the cool kids are. The area has benefited from the various London rail line extensions – you can be in Shoreditch or Canary Wharf in 15 minutes; the Jubilee and Elizabeth lines are a similarly short step away – and that has attracted the slay crew to the area. The road links though are still horrendous though, made worse by 20mph speed limits and bus lane misallocation of essential road space. The drive to west London is interminable.Brockley has a good stock of beautiful detached, semi-detached and terraced Victorian houses. For example: With its proximity to Greenwich and the river docks, it was once a wealthy area, though, like most of south-east London, it got bombed to heck in the war.There are plenty of nice parks too. One of them, Hilly Fields, was modelled on Hampstead Heath, and there are many gorgeous houses in the roads running off it. Not quite Hampstead gorgeous, but getting there.Brockley also has the highest density of cemeteries in London, if you fancy dying any time soon, it's highly convenient. It is, I gather, London's most haunted area.It is only a bit stabby. Nothing like as bad as neighbouring Lewisham. (Maybe “only a bit stabby” will one day become part of estate agents' jargon, perhaps to replace “vibrant”. I can't believe how normalised stabbing now is that I'm talking like that.)The stabbiness is offset, however, by the plethora of nice restaurants, cafés, bars, craft ale breweries, the farmers' market, mini-festivals, pilates studios et al. I understand, in Browns, the area boasts London's best coffee and, in Babur, its best Indian restaurant. (Technically Babur is in Honor Oak, but, like England and many of its foreign sporting greats, we'll claim it as our own.)I shot this vid from the steps up to the station.Brockley feels younger and more up-and-coming than the once-cool areas to the west like Queen's Park, Kensal Rise, Clapham and so on, probably because of its easy access to east London. (A lot of people from Hackney move down here.)I moved here begrudgingly and skint in 2015 and have grown to really like it.But what about the housing market?I've known markets in which estate agents don't give you the time of day, there are so many prospective buyers, but – perhaps because they know I am an unencumbered buyer – the agents are maybe not quite all over me, but certainly on my case: lots of emails, phone calls and the rest of it. That indicates it's more of a buyers' market.But, while I would describe the housing market here as slow, it is not dead. Stuff has been going under offer in the two weeks I've been looking, though rarely at asking.With the costs of moving – Stamp Duty is 10% above £925k, and 12% above £1.5m, plus an extra 5% if you own another property – buyers have got to really want to buy.Sellers, meanwhile, have to really want to sell, which often entails reducing their asking prices. Stuff which is unrealistically priced is staying on the market a long time. Look at this one (actually up the road in Honor Oak):This is a 5,000-square-foot property, not so nice inside, but with access to a 2-acre private garden behind with its own tennis court – quite something in London. From £2.5 million to £1.75 million and they still can't shift it. (It needs a lot of money spending on it.)On the other hand, there don't seem to be many forced sellers – people who can't make their payments – and we won't get any house price crash, long-awaited or not, until that is a reality.I imagine Brockley, as a young, trendy area, is busier than other parts of town, but that is my overall feel: slow, but not dead.I've looked at a few family houses. I can't really comment on flats, but I gather there is an oversupply of 2-bed flats across London, and it is really hard to shift them. I'm not sure if this applies to Brockley or not.It doesn't feel as expensive as it did around 2019–2022 (realised sales prices are a fraction lower, but there is obviously currency debasement to consider too), but nor does it feel super cheap. We're a long way off where we were in, say, 2013, even though grander parts of London – Kensington and Chelsea, for example – are back at those 2013 levels.Where does the housing market go from here? It all depends on two things: interest rates and Stamp Duty.Britain's zombie housing market, brought to you by Stamp Duty.If rates go lower, the market will not collapse. There won't be the forced sellers. We'll continue as we are: stagnant. If rates go higher, the market is in trouble.But get rid of Stamp Duty, and you'd have a flurry of activity across the country tomorrow. People aren't moving because of the amount of dead money involved. Stamp Duty has immobilised the country.If you're buying a two-million-pound house, you will pay £153,750 in stamp duty. Cash. Money you've already paid tax on once. You can't borrow the money. You have to be extremely rich, or extremely desperate for a home, to be willing to pay a £150k one-off tax of this kind. Most would rather avoid paying it, so they don't move.You will pay more if you are not a UK resident.If you happen to own another property – which most people in that wealth bracket will, either their first flat they never sold, a property they inherited, or a home in the country – and the house you are buying is not your main residence, the tax rises to £253,750. A quarter of a million quid.That's why houses in Kensington and Chelsea no longer sell. EDIT: My mate, whose kids have now flown the nest, sent me this: "We live in a 4 floor house, 2 floors we don't use, I haven't been to the top floor for about 5 years (seriously). We would love to move and downsize but makes no sense as the costs of buying a new house would use up all the gain on downsizing . IE We just end up with a smaller house."This happens all the way down the scale. Kirstie Whatsit off the telly was tweeting about it the other day.My mother's friend, who is in her 70s, lives in a 2-bed flat two floors up in Wandsworth worth maybe £700,000. She is worried about climbing the stairs at her age, and wants to move to another 2-bed flat. She will pay £25,000 in Stamp Duty on top of all her other moving costs. She doesn't have 25 grand to throw away.The result is this nearly dead market. Britain's zombie housing market.Stamp Duties were one of the taxes the ignited the American Revolution. If only we had muskets today …The biggest villains in all this are former Chancellor Gordon Brown for first raising Stamp Duty on property transactions (before him it just one per cent on all properties over £60,000), and, worst of all, George Osborne for raising the rates to today's ludicrous levels. Rather than address the root causes of unaffordable housing – fiat money, artificially low interest rates, improper measures of inflation and dumb planning laws – he blamed the market, and attacked it with Stamp Duty. But all of Jeremy Hunt, Rishi Sunak, Sajid Javid, Philip Hammond and Alistair Darling must take their share of the blame for failing to do anything about it, when they had the chance. (We'll give Kwasi Kwarteng and Nadhim Zahawi a pass on the grounds they didn't have the gig for long enough).Osborne, Brown et al have given birth to the zombie situation we have now. They have immobilised the country in the process. Government. Yet again. 0 stars. Would not use again.It's enough to make you a libertarian. Until next time,DominicPS If you enjoyed today's article, please like, share and all that stuff. It really helps.PPS If you missed this week's market commentary, here it is:As always If you are buying gold to protect yourself in these times or relentless currency debasement, the bullion dealer I use and recommend is the Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, the US, Canada and Europe or you can store your gold with them. Find out more here. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

There is also now a video version of this article, if you prefer, here:I've been viewing houses this past fortnight, so I thought I'd share my anecdotal 2p on the state of the London property market.I'm looking in Brockley, SE4, which, if you don't know it, used to be rough AF, but is now where all the cool kids are. The area has benefited from the various London rail line extensions – you can be in Shoreditch or Canary Wharf in 15 minutes; the Jubilee and Elizabeth lines are a similarly short step away – and that has attracted the slay crew to the area. The road links though are still horrendous though, made worse by 20mph speed limits and bus lane misallocation of essential road space. The drive to west London is interminable.Brockley has a good stock of beautiful detached, semi-detached and terraced Victorian houses. For example: With its proximity to Greenwich and the river docks, it was once a wealthy area, though, like most of south-east London, it got bombed to heck in the war.There are plenty of nice parks too. One of them, Hilly Fields, was modelled on Hampstead Heath, and there are many gorgeous houses in the roads running off it. Not quite Hampstead gorgeous, but getting there.Brockley also has the highest density of cemeteries in London, if you fancy dying any time soon, it's highly convenient. It is, I gather, London's most haunted area.It is only a bit stabby. Nothing like as bad as neighbouring Lewisham. (Maybe “only a bit stabby” will one day become part of estate agents' jargon, perhaps to replace “vibrant”. I can't believe how normalised stabbing now is that I'm talking like that.)The stabbiness is offset, however, by the plethora of nice restaurants, cafés, bars, craft ale breweries, the farmers' market, mini-festivals, pilates studios et al. I understand, in Browns, the area boasts London's best coffee and, in Babur, its best Indian restaurant. (Technically Babur is in Honor Oak, but, like England and many of its foreign sporting greats, we'll claim it as our own.)I shot this vid from the steps up to the station.Brockley feels younger and more up-and-coming than the once-cool areas to the west like Queen's Park, Kensal Rise, Clapham and so on, probably because of its easy access to east London. (A lot of people from Hackney move down here.)I moved here begrudgingly and skint in 2015 and have grown to really like it.But what about the housing market?I've known markets in which estate agents don't give you the time of day, there are so many prospective buyers, but – perhaps because they know I am an unencumbered buyer – the agents are maybe not quite all over me, but certainly on my case: lots of emails, phone calls and the rest of it. That indicates it's more of a buyers' market.But, while I would describe the housing market here as slow, it is not dead. Stuff has been going under offer in the two weeks I've been looking, though rarely at asking.With the costs of moving – Stamp Duty is 10% above £925k, and 12% above £1.5m, plus an extra 5% if you own another property – buyers have got to really want to buy.Sellers, meanwhile, have to really want to sell, which often entails reducing their asking prices. Stuff which is unrealistically priced is staying on the market a long time. Look at this one (actually up the road in Honor Oak):This is a 5,000-square-foot property, not so nice inside, but with access to a 2-acre private garden behind with its own tennis court – quite something in London. From £2.5 million to £1.75 million and they still can't shift it. (It needs a lot of money spending on it.)On the other hand, there don't seem to be many forced sellers – people who can't make their payments – and we won't get any house price crash, long-awaited or not, until that is a reality.I imagine Brockley, as a young, trendy area, is busier than other parts of town, but that is my overall feel: slow, but not dead.I've looked at a few family houses. I can't really comment on flats, but I gather there is an oversupply of 2-bed flats across London, and it is really hard to shift them. I'm not sure if this applies to Brockley or not.It doesn't feel as expensive as it did around 2019–2022 (realised sales prices are a fraction lower, but there is obviously currency debasement to consider too), but nor does it feel super cheap. We're a long way off where we were in, say, 2013, even though grander parts of London – Kensington and Chelsea, for example – are back at those 2013 levels.Where does the housing market go from here? It all depends on two things: interest rates and Stamp Duty.Britain's zombie housing market, brought to you by Stamp Duty.If rates go lower, the market will not collapse. There won't be the forced sellers. We'll continue as we are: stagnant. If rates go higher, the market is in trouble.But get rid of Stamp Duty, and you'd have a flurry of activity across the country tomorrow. People aren't moving because of the amount of dead money involved. Stamp Duty has immobilised the country.If you're buying a two-million-pound house, you will pay £153,750 in stamp duty. Cash. Money you've already paid tax on once. You can't borrow the money. You have to be extremely rich, or extremely desperate for a home, to be willing to pay a £150k one-off tax of this kind. Most would rather avoid paying it, so they don't move.You will pay more if you are not a UK resident.If you happen to own another property – which most people in that wealth bracket will, either their first flat they never sold, a property they inherited, or a home in the country – and the house you are buying is not your main residence, the tax rises to £253,750. A quarter of a million quid.That's why houses in Kensington and Chelsea no longer sell. EDIT: My mate, whose kids have now flown the nest, sent me this: "We live in a 4 floor house, 2 floors we don't use, I haven't been to the top floor for about 5 years (seriously). We would love to move and downsize but makes no sense as the costs of buying a new house would use up all the gain on downsizing . IE We just end up with a smaller house."This happens all the way down the scale. Kirstie Whatsit off the telly was tweeting about it the other day.My mother's friend, who is in her 70s, lives in a 2-bed flat two floors up in Wandsworth worth maybe £700,000. She is worried about climbing the stairs at her age, and wants to move to another 2-bed flat. She will pay £25,000 in Stamp Duty on top of all her other moving costs. She doesn't have 25 grand to throw away.The result is this nearly dead market. Britain's zombie housing market.Stamp Duties were one of the taxes the ignited the American Revolution. If only we had muskets today …The biggest villains in all this are former Chancellor Gordon Brown for first raising Stamp Duty on property transactions (before him it just one per cent on all properties over £60,000), and, worst of all, George Osborne for raising the rates to today's ludicrous levels. Rather than address the root causes of unaffordable housing – fiat money, artificially low interest rates, improper measures of inflation and dumb planning laws – he blamed the market, and attacked it with Stamp Duty. But all of Jeremy Hunt, Rishi Sunak, Sajid Javid, Philip Hammond and Alistair Darling must take their share of the blame for failing to do anything about it, when they had the chance. (We'll give Kwasi Kwarteng and Nadhim Zahawi a pass on the grounds they didn't have the gig for long enough).Osborne, Brown et al have given birth to the zombie situation we have now. They have immobilised the country in the process. Government. Yet again. 0 stars. Would not use again.It's enough to make you a libertarian. Until next time,DominicPS If you enjoyed today's article, please like, share and all that stuff. It really helps.PPS If you missed this week's market commentary, here it is:As always If you are buying gold to protect yourself in these times or relentless currency debasement, the bullion dealer I use and recommend is the Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, the US, Canada and Europe or you can store your gold with them. Find out more here. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Part 2 of dissecting Budget 2025 in NOTG delves into what could come next. George, Jesley, and Yong Zhun from PropertyLimBrothers discuss a wide range of speculative ideas that could redefine the future of Singapore's property market. Could a 7-year MOP for resale HDBs help temper demand? Will extending the wait-out period from 15 to 24 months for HDB-to-condo transitions affect market behaviour? Hear more “what-ifs,” including proposals to adjust stamp duty based on location and unit configuration. With ongoing shifts across both private and public housing segments, the team reflects on how affordability, infrastructure planning, and buyer psychology might intersect in the years ahead.   While none of these ideas are official policy, the episode invites viewers to consider the trade-offs and implications behind potential regulatory changes. Tune in for a wide-lens view on the forces that could steer the direction of Singapore's property landscape moving forward.   00:00 Intro 00:40 Cooling measure suggestions 11:20 $1 Billion investment on R&D infrastructure 15:20 LBC rate increase 19:15 More EC units resold for profit 22:06 Aurelle of Tampines floorplans 24:20 Aurelle of Tampines prices 24:50 Would you pay more for integrated projects? 27:40 Volume and Price Index Chart 31:00 Exploring property in PropertyGuru 35:05 Prices of resale units will slow down in the upcoming years 36:30 Self sustaining town 38:06 Function of air conditioner 39:59 Closing thoughts 42:32 Outtakes

Are you making your whole property decision just to avoid paying stamp duty? We see this all the time, and honestly, it could cost you far more than you think in the long run. In this episode, we’re joined by mortgage broker Andrew Wheatley to talk about the one big mistake we keep seeing first home buyers make: getting stuck on staying under the grant or concession thresholds. Andrew works with buyers every day and has a really practical way of helping people step back and look at the bigger picture, not just what they might save today, but what that decision could mean for their future wealth and lifestyle. We go through what those thresholds actually mean, how much you’re really saving (or missing out on), and why some people end up stuck looking for months just because they didn’t realise they could stretch a little further without taking on more risk. It’s not about spending more just for the sake of it, it’s about making sure you understand all your options and make a decision that sets you up for the long term. If you’re a first home buyer trying to make sense of all the government schemes, this chat will help you clear the noise and focus on what really matters, buying a quality asset that grows with you. Episode Highlights: 00:00 - Introduction 03:01 - Who is Andrew Wheatley? 04:07 - What’s the biggest trap buyers fall into with stamp duty concessions? 09:13 - Should you explore options above the scheme threshold? 11:25 - Why so many first home buyers are competing at the same price point 14:04 - How much more do you really pay if you go over the threshold? 19:09 - What’s the smarter way to set your property budget? 21:54 - Why being “ready” matters more than being fast 23:26 - Is it bad advice to avoid stretching your budget on your first home? 29:50 - Why do buyers fixate on free money from the government? 31:37 - Can chasing a grant cost you capital growth? 32:52 - Should your first home also be a good investment? 39:12 - What are Andrew’s top tips for first home buyers? 45:04 - What’s one thing Andrew wishes he knew as a first home buyer? About Our Guest: Andrew Wheatley is the founder and lead mortgage broker at Wheatley Finance, based in Yarraville, Victoria. With over 20 years of experience in the finance industry, Andrew is passionate about helping Australians navigate the complexities of home loans and property finance. His dedication to client success has earned him recognition, including the Finance Brokers Association of Australia’s (FBAA) Victoria Finance Broker of the Year Award in both 2021 and 2022. Andrew established Wheatley Finance to empower clients with tailored financial solutions, aiming to shift the balance of power from banks to borrowers. He is known for his client-centric approach and commitment to providing clear, honest advice to help individuals achieve their homeownership goals. Connect with Andrew Wheatley: Website https://www.wheatleyfinance.com/ LinkedIn https://www.linkedin.com/in/andrew-wheatley/ Resources: FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers Visit our website https://www.homebuyeracademy.com.au/ Join our Facebook Group to get access to free monthly live Q&A sessions https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/ Work with Meighan: https://www.linkedin.com/in/meighanwells/ If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825 Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f See omnystudio.com/listener for privacy information.

With a strong second-term mandate, Prime Minister Anthony Albanese has a rare chance to drive real change. From tax to housing to climate policy, the moment is ripe for long-term reform that could shape Australia's future for decades. But where to begin? Plus, listener Alex challenges the narrative around government debt and household budgets. Guests:Aruna Sathanapally - Chief executive, and economic prosperity director, of the Grattan InstituteMichael Janda - ABC News Business EditorGet in touch: We read all of your emails, and appreciate each one. Please keep them coming theeconomy.stupid@abc.net.au or use the #PeterMartinEconomy on Instagram to get our attention.Listen to the full interview with Ken Henry on the Joseph Walker podcast: https://josephnoelwalker.com/ken-henry-aus-policy-series/  

Mortgages, Interest Rates and Carles Recio, the Valencia "Hero" You Never Knew Existed. The latest podcast from the Valencia Property stable is a bit different. We talk about mortgages and interest rates but then take you into an underworld of Valencia you may not know about through the lens of Valencian "Character" Carles Recio... you need to know this.    Show notes and links as follows Mortgage Direct https://www.valencia-property.com/new/MDB   Council Tax and Stamp Duty on Valencia Property https://www.valencia-property.com/new/2019/09/18/stamp-duty-and-council-tax-on-valencia-property/   The Art of the Deal Valencia Property Version https://www.valencia-property.com/new/2025/04/14/the-art-of-the-deal-valencia-property-version/    You Come to Valencia For the Lifestyle Right https://valencia-property.com/new/2025/04/28/you-come-to-valencia-for-the-lifestyle-right/   Interest Rates, Mortgages and Escaping the USA https://valencia-property.com/new/2025/04/21/interest-rates-mortgages-and-escaping-the-usa/   False Economies and Finding Faults https://valencia-property.com/new/2025/04/07/false-economies-and-finding-faults/   The Full Process of Getting a Mortgage in Spain https://www.valencia-property.com/new/2021/04/25/the-full-process-of-getting-a-mortgage-in-spain/  Contact Us on information@valencia-property.com or fill in the form on the following post to let us know what you are looking for https://valencia-property.com/new/2021/06/22/the-first-step-to-buying-property-in-valencia/  

We talk with Joseph Fairchild from Metro Realty in Sydney about stamp duty and buying units with strata and things to think about. Plus we are in Dubai, a city more and more Aussies are moving to live and call home. Listen here: https://apple.co/3wub8Le ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com    The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #AustralianRealEstate  #QLDProperty #HomeBuyingTips #MortgageBroker #PerthRealEstate #SavingForAHome  #SmartInvesting #PropertyMarketUpdate #BrisbaneHomes #PerthProperty #FirstHomeBuyers #FinanceTips #RealEstateNews #HousingMarket #InvestingInProperty   #MortgageTips #SydneyLiving #Parramatta  #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty #goldcoast #adelaideproperty #canberraproperty #sunshinecoastproperty #cairnsproperty #hobartproperty #darwinproperty #PropertyUpdate #OrangeRealEstate #InvestmentOpportunities #AffordableHousing #OrangeNSW #RealEstateAustralia

Watch the video of this podcast here: https://youtube.com/live/kQ2pCthVN5QStamp Duty Calculator: https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#!/introFirst time buyer offer email template: https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/Support the showFollow me on X for daily updates: https://x.com/moving_charlie Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancingCheck out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home. If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgageAll my other links: https://linktr.ee/movinghomewithcharlieFor my estate agency podcasts, visit https://linktr.ee/bestagentIf you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Send us a textDuring this episode of the Host Planet Mortgage Podcast, Howard Reuben from HCH Financial Services assesses the current state of the holiday let mortgage market.Howard discusses the Bank of England base rate, the Spring Statement, and stamp duty. He also shares details of the best holiday let mortgage products currently available.Key takeaways:• The Bank of England's decision to hold the base rate was not a surprise• Borrowers and investors who need to remortgage in 2025 should plan early and avoid going onto their lender's standard variable rate (SVR)• Hefty stamp duty fees are stalling the UK property market2:00 Bank of England base rate holds steady at 4.5%5:49 Advice for people who need to remortgage in 20259:23 Make sure you avoid the standard variable rate11:16 The Spring Statement, stamp duty, and market sentiment15:36 The best holiday let mortgage products on the marketLinks:Host Planet: https://www.hostplanet.club/HCH Financial Services: https://www.hchfs.com/James Varley: https://www.linkedin.com/in/jdsvarley/Howard Reuben: https://www.linkedin.com/in/howardreuben/Episode to check next: Everything you need to know about holiday let taxes: https://podcasts.apple.com/gb/podcast/everything-you-need-to-know-about-holiday-let-tax-changes/id1706573555?i=1000697982739The Host Planet Mortgage Podcast is presented by James Varley – a holiday let investor and property manager who is also the Founder of Host Planet. Before founding Host Planet, James spent 20 years in the media, including almost a decade leading corporate communications for the FIFA World Cup Qatar 2022 organising committee.Contact the show: info@hostplanet.club#HolidayLets #HolidayLetMortgages #ShortTermRentals #VacationRentals #SelfCatering #Property #PropertyInvestment #PropertyManagement #MortgageBroker #Airbnb

From April water bills for millions of households in England and Wales will go up by record amounts. Exactly how much more you'll pay will depend where you live but, on average, bills will increase by more than £10 per month meaning a total average cost of over £600 a year. What can you do if you're struggling with those bills?There's just a month left for people in the process of buying a home in England and Northern Ireland to complete the sale before stamp duty rises on April the first. Some estimates suggest there could be tens of thousands of buyers who will miss that deadline by just a few days. What can you do if you're trying to hit that deadline?Train fares in England and Wales will go up on Sunday. At the same time, most railcards, which give you cheaper fares in England Wales and Scotland, will cost you more. We'll have more on that.And energy prices will also go up in April. We'll take a look at the issue of standing charges. Why do they vary regionally, and how might Ofgem's proposals to reform them work?Presenter: Paul Lewis Reporters: Dan Whitworth and Haider Saleem Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 1st March 2025)

Dame Julia Hoggett is the CEO of the London Stock Exchange. Julia previously worked at the UK's Financial Conduct Authority as Director of Market Oversight and Head of Wholesale Banking Supervision. In Today's Episode We Discuss: 04:25 How to Become CEO of a National Stock Exchange 05:36 Why The Domestic Economy is F***** Despite the Boom in Financial Services 06:45 How Pension Fund Reform Dmaaged the UK Economy 09:31 Should the UK Copy the Canadian Pension Fund Structure 16:30 Will the Best Companies Like Revolut and Monzo List in London 24:17 Why Are Revolut Wrong to Want to List in the US 27:32 Are Companies Priced Lower in the UK vs US 32:05 Why is Stamp Duty a Perversity We Have to Change 35:46 Why is the Way the UK Thinks About Financial Services So Wrong 40:31 Quick Fire Round: Insights and Reflections  

All my links: https://linktr.ee/movinghomewithcharlie5FF 28 March 2025Chancellor's Spring Statement Confirms Bleak Future (Sasha Breaks it down in grim detail)https://youtu.be/6Yui6WioDys?si=e1uM3IvUy9Vxi4VUOBR Forecasts Mortgage Rise by 1% (page 52)https://obr.uk/docs/dlm_uploads/OBR_Economic_and_fiscal_outlook_March_2025.pdfONS revises down UK housing wealth by £2.2tn. https://www.ftadviser.com/uk-economy/2025/3/24/household-wealth-2-2tn-less-amid-ons-calculation-changeFoxtons Overvaluing by 25% to get businesshttps://x.com/moving_charlie/status/1904170887995064542/photo/1£2bn new funding for 18,000 social homeshttps://x.com/hmtreasury/status/1904424258257973688?s=46OOH Inflation stops climbinghttps://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/consumerpriceinflation/february2025Watch the video here: https://youtube.com/live/7Lz2U_NQStgSupport the showFollow me on X for daily updates: https://x.com/moving_charlie Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancingCheck out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home. If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgageAll my other links: https://linktr.ee/movinghomewithcharlieFor my estate agency podcasts, visit https://linktr.ee/bestagentIf you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Throughout the past three or four years of government discussion but little action on the housing shortage and the rental crisis, the people who provide the homes that people rent in Australia have never been part of the discussion.   Many of our state and territory governments have held inquiries, summits and other talkfests inviting many of the usual suspects but landlords have never been invited to the table.   In one state, at least, that has now changed. The new state government in Queensland is showing increasing signs of recognising that investor owners of residential properties are a core part of the solution to the chronic rental shortage crisis.   The organisation that represents investment property owners, the Property Investment Professionals of Australia (or PIPA) recently held a business breakfast seminar in Brisbane and State Treasurer David Janetski accepted an invitation to attend and answer questions.   That in itself was a step forward for investors but also for tenants who rely on investors to provide rental homes – keeping in mind that well over 90% of all homes rented in Australia are provided by mum-and-dad investors, with government and big business providing very little.   Janetski pointed out that he and his colleagues were instrumental in preventing the previous Labor Government from implementing the nation's most draconian and onerous land tax.   And having taken office as the new Queensland government had already abolished stamp duty for first home buyers building new homes.   He told the PIPA audience: “It's important for the state to recognise the contribution that the property industry makes.”   He undertook to connect PIPA with Housing Minister Sam O'Connor to hear the industry's concerns about the imbalance between the rights of tenants and the rights of the property owners.   Janetski also pointed out that the new Government had reinstated the Property Consultative Committee, which had been axed by the previous government.    He said: “We are listening” and commented that the language from the previous government about investors and property managers was disrespectful.   PIPA president Nicola McDougall said: “That's all we are asking for – a seat at the table.”   During the event's Q & A, I pointed out to the State Treasurer that the average cost of the new house and land package was now approaching $1 million and over 40% of that was taxes fees and charges at the three levels of government. I asked what could be done about that.   He said he understood the concerns but he also had to balance the budget, against a background of a blowout in the cost of infrastructure projects, smaller GST revenue and reduced coal royalties.    The inference is that, while sympathetic, the Queensland Government is unlikely to take any major measures to relieve the tax burdens that are preventing the housing industry from fixing the housing crisis.   But I would ask the Queensland Treasurer to consider this: what would happen if Queensland was the only state to eliminate a major chunk of the taxation component of building new homes? What if building a new home became $200,000 cheaper in Queensland than everywhere else?   What would that do to the state economy and to the Queensland State Budget? And what would it do to home ownership in the Sunshine State?  

As Victoria's housing market continues to grapple with rising rents and dwindling rental stock, the Real Estate Institute of Victoria (REIV) has issued a timely and urgent plea: reduce the tax burden on rental providers and stop penalising those who are keeping the rental market afloat.  But instead of heeding the call, the Allan Labor Government is doing the opposite—hitting landlords, small business owners and short-stay providers with wave after wave of new or higher levies in a desperate bid to plug a $188 billion black hole in the State Budget. This week, the REIV released a submission ahead of the 2025–26 Victorian Budget urging major property tax reform.  Their request is simple but critical: reduce stamp duty and land tax for rental providers, create incentives for long-term leases, and rein in red tape that's pushing investors out of the market.  Their data shows the consequences of government inaction are already being felt. Between March and September 2024, Victoria lost 24,000 rental bonds. That's not a minor fluctuation—that's a mass investor exodus. And it's tenants who are victims. REIV CEO Kelly Ryan summed it up perfectly: “At the heart of our submission is the need to ensure a more balanced tax and regulatory regime that includes adequate incentives for rental providers.”  Ryan also called for alignment with international rental markets by supporting longer-term leases, which would benefit both renters and investors with added security and certainty. But while the REIV is offering sensible, balanced reform ideas, the Victorian government is proving once again that it's more interested in cash grabs than meaningful solutions.  Since 2023, we've seen an aggressive ratcheting up of land taxes, the introduction of new taxes, an ongoing expansion of compliance obligations, and now—another levy, this time under the guise of funding emergency services. From July, landlords will be hit with a higher version of the new Emergency Services and Volunteers Fund levy—effectively replacing the old Fire Services Levy but applying higher rates to landlords than to owner-occupiers.  This comes on top of the 7.5 per cent short-stay accommodation tax that began in January and a land tax regime that's already the most punitive in the country. The state's land tax threshold was quietly dropped from $300,000 to $50,000, dragging hundreds of thousands of everyday Victorians—including Airbnb hosts, home-based businesses and retirees—into the tax net for the first time.  These aren't major corporations. These are teachers renting a room on Airbnb, retirees running consulting businesses from a home study, and families listing a property while working overseas. According to tax experts at Mills Oakley, even earning just $30,000 from a garage-based side business can now trigger a tax bill that previously didn't exist. The State Revenue Office is retrospectively combing through tax records, hitting unsuspecting homeowners with bills going back five years.  This is not reform—it's a cash grab. And its brutal for ordinary people who are trying to find ways to pay their bills. And what's the government's response? Treasurer Jaclyn Symes—who insiders say had to be asked to avoid using “economic terms” in briefings because she “doesn't understand them”—has arrogantly stated that landlords “can afford to pay more.”  That's the level of economic sophistication we're working with. Look up the term “out of touch” and you'll see a photo of Jaclyn Symes. The real-world consequences are clear. Property investors are selling up, thereby reducing rental stock, and those who remain are compelled to pass on these increased costs to tenants.  As rental supply falls, prices climb. Some renters are now facing $200-a-week increases, according to Suburb Advice. And yet the Victorian Treasurer remains oblivious, insisting it's fair and necessary. Meanwhile, short-stay hosts and home-based business owners are also feeling the squeeze.  Luke Achterstraat from the Council of Small Business Organisations said: “This cynical ‘bottom of the barrel' approach to revenue raising will only punish mum and dads seeking to innovate and provide their families a living.” It's no surprise that Victoria has recorded a 12.8 per cent decline in rental stock over the last decade. Investor confidence has been shattered by a decade of anti-landlord policies, with no sign of relief on the horizon. What we're seeing now isn't just short-term economic mismanagement—it's a structural dismantling of the private rental market. The Allan Government talks a big game about affordability, supply and fairness, but their actions tell a very different story.  Every new tax, every additional compliance cost, and every ideological jab at rental providers pushes Victoria further from the housing targets outlined in its own Housing Statement.  

The price of precious metals like gold, sliver and platinum have soared in price in the last 12 month amid market fears and rising inflation. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives. Watch YouTube video: https://youtu.be/woBQBtavLUM 1. Historical Stability: Gold and silver have stood the test of time as reliable stores of value. Throughout history, these precious metals have retained their purchasing power, acting as a hedge against inflation and economic uncertainties. Unlike cryptocurrencies, which can be highly volatile, and stocks, which are subject to market fluctuations, gold and silver have maintained a reputation for stability. 2. Tangibility and Security: One of the key advantages of investing in physical gold and silver is the tangible nature of these assets. Unlike cryptocurrencies, which exist only in the digital realm, and stocks, which represent ownership but lack a physical presence, gold and silver can be held in hand. This tangibility not only provides a sense of security but also ensures that investors have a physical asset they can access irrespective of economic conditions. 3. Diversification: While stocks and real estate have their merits, they can be vulnerable to economic downturns. Gold and silver, on the other hand, often move inversely to other asset classes, providing an effective means of diversification. A well-diversified portfolio that includes precious metals can potentially mitigate risks and enhance overall stability. 4. Inherent Value: Gold and silver derive their value from their intrinsic properties rather than relying on the perceived value assigned by market sentiment, as is often the case with stocks and cryptocurrencies. The industrial uses of silver, for example, contribute to its value beyond its role as a precious metal. This intrinsic value can offer a certain level of reassurance to investors, especially during times of economic uncertainty. 5. Inflation Hedge: Gold and silver have a long-established reputation as effective hedges against inflation. When fiat currencies lose value due to inflationary pressures, the purchasing power of gold and silver tends to rise. This characteristic makes them particularly attractive to investors seeking to protect their wealth from the eroding effects of inflation. While the investment landscape continues to evolve with the emergence of new opportunities such as cryptocurrencies, the enduring appeal of gold and silver remains undeniable. These precious metals offer stability, tangibility, diversification, inherent value, and a time-tested hedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundational elements of a well-rounded investment portfolio. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty ⁠https://youtu.be/mtGq7WaVxLA ⁠ For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) #interestrates #inflation #gold #silver #property #stockmarket #money #financialfreedom #inflation #section24 #Investing #FinancialDecisions #WealthManagement #assetbackedinvesting

Welcome back to The Firm Analyst as we dive into a range of stories in this early release episode! Today we discussed: (1) Skype's unfortunate demise and what role lawyers play in reorganising businesses; (2) how UK small cap companies have been perceived by international investors in light of the UK's dampened growth; and (3) how changes to the SDLT thresholds in April are convincing home buyers to move their purchases forward.

Following the Bank of England base rate dropping to 4.5% earlier this month, and with an impending stamp duty change, we're at a key point in time for anyone buying, selling, or remortgaging a property. In this episode Which? mortgage expert Stephen Maunder and David Hollingworth, Associate Director of L&C Mortgages, discuss how these changes will impact the market this year. Read more about the base rate cut & sign up to our free weekly Money newsletter. Find out how stamp duty changes could impact you.Become a Which? Money member.Get 50% off a Which? membership.

In this First Home Focus episode, we cover the countdown to the imminent stamp duty change and how it will be calculated from April 1st 2025. Tune in for: New Thresholds Example on a £295,000 property Why are things changing? First-Home Focus is brought to you on association with Skipton Building Society https://www.skipton.co.uk Why not subscribe to receive Move iQ's monthly newsletters, and get his top tips and market updates direct to your inbox. Where else you can find advice from Move iQ You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk.

The Minister of Border Control has opened the public consultation period on the Immigration Transition Act. MPs return to Parliament tomorrow…set to continue a heated debate on the Referendum bill.Stamp Duty regulations to be updated.#RCNEWS #RADIOCAYMAN #CAYMANISLANDS

Happy Tuesday! It's time for Rob & Rob to answer two more great questions from our listeners!  (0:40) Sarah owns two buy-to-let properties with a total value of £700k and 50% equity in each. She's debating taking £50K from the properties to combine with her savings to buy a third property. Worried it's too risky, she turns to Rob & Rob for their advice.  (4:08) Currently a homeowner, Chris is looking at buying a second property to rent out. But with the increased stamp duty for second properties, he asks if there's a way to avoid it or if it's just something landlords must absorb.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.  Find out more about Property Hub Invest 

In this episode of You Have My Interest, we dive into key market updates, including the impact of RBA rates, the Home Value Index, and Victoria's new temporary stamp duty concession for off-the-plan purchases.  We break down how the new concession, effective from October 21st, 2024, differs from previous ones and who's eligible—whether you're a first-time buyer or an investor and what this means for you. Evelyn also covers how stamp duty is calculated based on the land value and provides practical examples. Plus, she shares essential financing tips and the importance of due diligence when working with developers and legal advisors.  If you're considering off-the-plan purchases, this episode is packed with valuable insights to help you navigate the process, maximise the new concessions, and stay on top of market trends. Find out your next step in property finance: You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.everlend.com.au/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get in touch: Find out more about You Have My Interest at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠everlend.com.au/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and connect with us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast@everlend.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members. It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements. If you need mortgage or finance advice tailored to your own personal situation, contact ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Everlend⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222. Podcast produced with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apiro.

In this episode of WealthTalk, we explore the far-reaching impacts of the recent budget on property investment, drawing on insights from leading residential and commercial property experts.Topics covered include changes to capital gains tax and stamp duty, the challenges now facing residential landlords, and the growing opportunities in commercial property.Creativity in property acquisition is more important than ever, and pensions can serve as a powerful tool for investing in commercial properties. High streets, often overlooked, may hold untapped potential.Additionally, we dive into the Renters Reform Bill and highlight emerging trends such as high-end HMOs and commercial-to-residential conversions.If you're serious about building wealth through smart property strategies, don't miss this invaluable episode!Resources Mentioned In This Episode:>> WT266: ‘Pensions and Inheritance Tax – Post-bduget Q&A w/ Kevin Whelan'>> The 2024 Autumn Budget Breakdown Report [Free Download]>> The 2024 Autumn Budget Breakdown [Webinar Replays]>> Co-Living Revolution – Stuart Scott [Website]>> AA Accountants – Shaz Nawaz [Website]Next Steps On Your Wealth Building Journey:>> Join the WealthBuilders Facebook Community>> Schedule a 1:1 call with one of our team>> Become a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

In this First Home Focus episode brought to you by Move iQ & Skipton Building Society, Louise Gookey breaks down all you need to know about stamp duty for first time buyers. Tune in for: What is stamp duty land tax? If the property is over the £425,000 Buying with someone else First-Home Focus is brought to you on association with Skipton Building Society https://www.skipton.co.uk Why not subscribe to receive Move iQ's monthly newsletters, and get his top tips and market updates direct to your inbox. Where else you can find advice from Move iQ You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk.

Rob delves into the recent changes to Stamp Duty in England and Northern Ireland, providing a comprehensive overview of the new rates and their implications for both first-time buyers and property investors. He highlights the current rates effective until March 31, 2025, and outlines the upcoming changes set to take effect on April 1, 2025, as well as the potential impact of these changes on the property market, including the possibility of reduced investment in rental properties and the resulting effects on supply and demand.  KEY TAKEAWAYS The current Stamp Duty rates for residential properties in England and Northern Ireland will remain in place until March 31, 2025. After this date, the thresholds and rates will change, with the zero rate for main residences decreasing from £250,000 to £125,000. First-time buyers may benefit from reduced competition in the market due to higher costs for investors, potentially making it easier for them to enter the property market. The additional Stamp Duty rate for investment properties will rise from 3% to 5%, which may deter some investors from purchasing rental properties, leading to a potential decrease in the supply of rental homes. The changes in Stamp Duty could lead to a rush of transactions before the new rates take effect, followed by a possible drop in demand and transactions after April 1, 2025, particularly in regions with higher property values. Those in the process of purchasing a property should confirm their Stamp Duty obligations with their solicitors, especially if they have exchanged contracts but have not yet completed the purchase, as they may still be bound by the pre-budget rules. BEST MOMENTS "The purchase price when it's up to 250,000 or 425,000 for first time buyers, then the stamp duty rate is effectively zero." "If more people were sitting on the fence about I could go and buy some property or I might not, then they might look at these increased transaction costs." "What could the impact of that be? Well, people purchasing properties above 125,000 will face higher stamp duty land tax liabilities." "The threshold for first time buyers and stamp duty is decreasing... this could lead to reduced investment in rental properties." VALUABLE RESOURCES GET YOUR PROPERTY DEVELOPMENT FINANCE HERE: https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration SOCIAL MEDIA/CONTACT US https://linktr.ee/thepropertynomadspodcast BOOKS  Property FAQs = https://amzn.to/3MWfcL4   Buy To Let: How To Get Started = https://amzn.to/3genjle   101 Top Property Tips = https://amzn.to/2NxuAQL  uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

In the latest episode of the pod Andy and Amelia are talking about the stories from the last week that most affect your money. Including: We could see a mad rush on property before the Stamp Duty freeze ends There is help with energy bills out there but beware for scams! Misleading 'Complete Savings' ads banned after MSE complaint Deals of the week And more! For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL   twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Send us a text00:00 – How to legally hide the sale price (and why would you want to)09:54 – Can you show a property without a contract?12:49 – Massive changes to contracts in QLD starting 1 Aug 2025. This is the biggest change in QLD in the last decade.17:30 – Stamp Duty reform in VIC22:41 – NSW will be banning no-fault terminations of residential leases as of 2025Key takeaways: There's always been a way to conceal the identities of the buyer and sell and that's through companies and trusts. “What I've worked out - at least with the New South Wales Land Registry - is how to conceal the price." - Jared ZakNew regulations in Queensland will impose significant liability on whoever drafts property contracts. This means buyers will potentially be able to rescind right up until settlement.Victoria's new stamp duty concession is not just for first-time homebuyers, it's for everyone, including investors regardless of sale price.From 2025, the New South Wales Government will ban no-fault termination of residential leases. This is in line with other states' trends, putting more pressure on landlords.Jared Zak is the Principal Solicitor & Founder of Dott & Crossitt. He has around 20 years of experience in law and finance. Connect with Jared Zak 

Tony Jones speaks with executive director of the Property Council of Victoria, Cath Evans, as new polling reveals almost 70 per cent of voters think the state government is not doing enough to make housing more affordable. See omnystudio.com/listener for privacy information.

Lorcan Sirr, senior lecturer in housing at Technological University Dublin (TUD), discusses the calls for increasing stamp duty on institutional investors.

Tánaiste Michael Martin has hit out at Minister of State in the Department of Finance, Neal Richmond, over his calls to increase the Stamp Duty, saying the sensible thing to do was wait for review before suggestions of raising it.To discuss whether or not it should be, Kieran is joined by Louise Burne, Political Correspondent with the Irish Mirror.

Minister of State, Neale Richmond.

How to Protect Your Pension Fund from a Stock Market Crash Worried about the impact of a stock market crash on your pension fund? You're not alone. Market volatility can significantly affect your retirement savings, but there are strategies you can implement to safeguard your investments. Watch video https://youtu.be/e2iiYBYCUOw?si=enFe6LD0M8jt3hQG Diversify Your Portfolio: One of the best ways to protect your pension fund is through diversification. By spreading your investments across different asset classes—such as bonds, real estate, and cash—you reduce the risk of a market downturn affecting your entire portfolio. Diversification ensures that even if one asset class takes a hit, others may remain stable or even gain value. Regularly Rebalance Your Portfolio: Market conditions change over time, so it's crucial to regularly review and rebalance your portfolio. This involves adjusting your asset allocation to maintain your desired level of risk. Rebalancing helps you lock in gains from outperforming assets and reinvest them into underperforming ones, maintaining a balanced risk exposure. Consider Safe Haven Assets: Investing in safe haven assets like gold, government bonds, or cash equivalents can provide stability during market crashes. These assets tend to hold their value or even appreciate when stock markets decline, offering protection for your pension fund. Stay Informed and Seek Professional Advice: Keeping up with market trends and seeking advice from a financial advisor can help you make informed decisions. A professional can guide you on how to adjust your pension investments to minimize risks during turbulent times. Protect your retirement savings by taking proactive steps today! See also: Why Are UK Taxes So High? 10 Easy Tips To Drastically Reduce Your Tax Liability – Legally - https://youtu.be/PZ9IFiI2Tio How will Labour's new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party's Renters' Rights Bill 2024 is poised to bring significant changes to the UK's rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM A Lifetime of taxes Income tax, VAT, Council Tax, Car Tax, Insurance and Travel Tax, Green Energy Taxes, BBC Licence Tax, Stamp Duty, Capital Gains Tax, Section 24, Business Taxes and the final kicker; Inheritance Tax for your dependents! You can legally reduce and mitigate your taxes and inheritance tax for your dependents. Wills and Trusts New research from Canada Life reveals that over half of UK adults (51%)1 have not written a will, nor are they currently in the process of writing one. This includes 13% of people who state they have no intention to write a will in the future. Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24, Wills and Trusts. Watch video now: https://youtu.be/aMuGs_ek17s #UKTaxes #TaxTips #CharlesKellyMoneyTips #FinancialFreedom #LegalTaxReduction #section24 #stampduty #PensionFundProtection #StockMarketCrash #RetirementPlanning #FinancialSecurity #Diversification #SafeHavenAssets #InvestingWisely #MoneyTips #CharlesKellyMoneyTips #FinancialAdvice

Taxes in the UK can feel overwhelming, from income tax and National Insurance to VAT and council tax. There are a raft of business taxes, landlord tax hikes under Section 24, as well as taxes on your savings, Capital Gains Tax and Inheritance tax.  But why do we pay so much tax? The answer lies in funding public services like the NHS, education, and infrastructure. High taxes are designed to support the welfare state and maintain social programs. Watch video on YouTube - https://youtu.be/PZ9IFiI2Tio 10 Money Saving Tips However, there are legal ways to reduce your tax bill. Here are 10 money-saving tips from Charles Kelly Money Tips Podcast: Utilise Tax-Free Allowances: Make sure to use your personal allowance, savings allowance, and dividend allowance effectively. Invest in ISAs: Individual Savings Accounts (ISAs) offer tax-free interest, dividends, and capital gains. Contribute to a Pension: Pension contributions can reduce your taxable income. Claim Business Expenses: If you're self-employed, claim all allowable business expenses. Gift Aid Donations: Donations to charity through Gift Aid can reduce your tax bill. Marriage Allowance: Transfer part of your personal allowance to your spouse if they're a basic rate taxpayer. Make a Will and Plan for Inheritance Tax: Making a Will and planning ahead could substantially reduce taxes and stress for your dependents. Use Trusts: Protect your assets for you and your family using the laws of trusts. Avoid Section 24: Legally take steps to mitigate landlord taxes under Section 24. Take Professional Advice: Using professional advisers can save you money and even reclaim some overpaid taxes, such as Stamp Duty. By staying informed and using these strategies, you can legally minimize your tax liabilities and keep more of your hard-earned money. For more tips on managing your finances and reducing your tax bill, subscribe to Charles Kelly Money Tips Podcast on YouTube!  How will Labour's new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party's Renters' Rights Bill 2024 is poised to bring significant changes to the UK's rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM A Lifetime of taxes Income tax, VAT, Council Tax, Car Tax, Insurance and Travel Tax, Green Energy Taxes, BBC Licence Tax, Stamp Duty, Capital Gains Tax, Section 24, Business Taxes and the final kicker; Inheritance Tax for your dependents! You can legally reduce and mitigate your taxes and inheritance tax for your dependents. Wills and Trusts New research from Canada Life reveals that over half of UK adults (51%)1 have not written a will, nor are they currently in the process of writing one. This includes 13% of people who state they have no intention to write a will in the future. Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24, Wills and Trusts. Watch video now: https://youtu.be/aMuGs_ek17s #UKTaxes #TaxTips #CharlesKellyMoneyTips #FinancialFreedom #LegalTaxReduction #section24 #stampduty

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comIMPORTANT: somebody has been impersonating me on Substack, on Instagram and on YouTube. Please don't engage. Report and block. And please DON'T send any money.Thanks to all who came to see Shaping The Earth up in Edinburgh. The show got incredible feedback. I am doing it in London October 9th and 10th at the Museum of Comedy. Please come if you fancy a bit of “learning and laughter”. House prices have to come down some time. But when exactly? That's what we all want to know. So here's your answer.The declines start in the US and Canada in 2025, followed by the UK, Europe and Australia in 2026.That's what the 18-year property cycle says, at least.Today we explore that cycle and what it says about house prices.18 Years of Boom and BustEconomist Fred Harrison, who first covered the theory in his 1983 book, The Power in the Land, is very much the Godfather of the idea that real estate follows a predictable pattern over an 18-year period. I first stumbled across Harrison in 2005, when so many were sure house prices had to come down (needless to say they didn't), on reading his brilliantly prophetic article for MoneyWeek, arguing that we were two or three years from the top. Wasn't he right. Today, by most accounts, property should have already crashed. Real estate prices bear little resemblance to earnings. With the rise in interest rates that followed Covid, mortgage-holders found themselves with higher costs. Some were forced to sell, while prospective buyers could no longer afford to borrow as much as before. Increased taxes - I'm looking at you, Stamp Duty in the UK -  have only added to the unaffordability.And yet, while the market may be slow and stagnant in many parts of the country and indeed the world, it is not exactly crashing.There was one school of thought that was steadfast in all the house-price bearishness which followed Covid, saying property's time to crash had not yet come. They were the acolytes of the 18-year cycle in real estate. Yet again they've been proved right. Real estate peaks in 2026, they said. After that we get four years of decline.You know my views on cycles. We have the seasons, days and nights, the moons, menstruation, the cycle of life - cycles are turning all around us. There are economic and investment cycles too: bull markets and bear markets, commodities super-cycles, Gordon Brown was always blathering on about the economic cycle, mining is cyclical. New technology goes through a clear cycle as it evolves and is adopted. On the other hand, it's easy to look back at the past, find some random pattern and declare it a cycle. Actually trading them in real time is a very different matter. In fact, the human need for narrative and the fact that cycles make for good copy mean it's very easy to get wedded to the idea of a cycle, when a very different reality is staring you in the face. After 2008 many got it stuck in their heads that this was Kondratiev Winter and the next Great Depression, and, as a result, missed one of the most rip-roaring bull markets in history. With all that said, the 18-year cycle in real estate has proved remarkably reliable, and, says Akhil Patel, author of The Secret Wealth Advantage, and one of Harrison's great disciples, it goes all the way back to the turn of the 19th century. (I'll show you that data in just a sec).Looking to buy gold in these uncertain times? Check out my recent report, and look no further than my recommended bullion dealer, the Pure Gold Company. Premiums are low, quality of service is high, and you get to deal with a human being who knows their stuff.Broadly speaking, there are four phases to the cycle - and it actually lasts about 18 and a half years.* Years one to seven. A silent rally followed by …* A mid-cycle slowdown or dip at around the seven year mark.* The explosive phase. That's when house prices really get on the map. Think 1983 to 1989 or 2002 to 2007. In the last couple of years you get a classic blow-off top - the winners' curse.* Finally, the correction which lasts around four years. Think 1989 to 1993 or 2008-2011. Then the cycle starts again.I have drawn this chart for you here, so you can see it illustrated.

After months of dithering, the Bank of England has finally cut the base rate to 5 per cent, the first time the central bank has voted to cut the base rate since 2020. On seven consecutive occasions the central bank voted to hold rates at 5.25 per cent between August 2023 and June 2024, despite falling inflation. There had been 14 consecutive base rate hikes since December 2021. The bank's successive interest rate rises between December 2021 and August 2023 were bad news for borrowers but good news for savers. The average two-year fixed mortgage rate is now 5.78 per cent, according to Moneyfacts, and the average five-year fix is 5.39 per cent. Right now, the lowest five-year fix is 3.99 per cent and the lowest two-year fix is 4.42 per cent, but lenders have already started cutting rates, but beware for excessive arrangement fees.  Savers Rates Say goodbye to great savers deals, including Santander's 5.2 per cent special edition easy-access rate and NS&I's one-year bond paying 6.2 per cent, which launched in September 2023. One of the best one-year fixed-rate account on the market now pays 5.4 per cent, down from a high of 6.2 per cent in October 2023. Savers should note that 1,638 savings accounts still beat inflation which is now at the Bank of England's target of 2 per cent, according to the Mail Online. This means the value of your money is growing in real terms against inflation. NS&I revealed it will offer a new one-year Guaranteed Growth Bond paying 5.15 per cent or a Guaranteed Income Bond at 5.03 per cent. The offer is exclusive to existing 6.2 per cent bond holders and will be available when their current one matures, starting from the end of next month. A saver putting £10,000 in Union Bank of India's one-year fix will earn a guaranteed £554 interest over one year. It comes with full protection under the Financial Services Compensation Scheme up to £85,000 per person. Are Buy-to-Let property deals still worth it? How will Labour's new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party's Renters' Rights Bill 2024 is poised to bring significant changes to the UK's rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM A Lifetime of taxes Income tax, VAT, Council Tax, Car Tax, Insurance and Travel Tax, Green Energy Taxes, BBC Licence Tax, Stamp Duty, Capital Gains Tax, Section 24, Business Taxes and the final kicker; Inheritance Tax for your dependents! You can legally reduce and mitigate your taxes and inheritance tax for your dependents. Wills and Trusts New research from Canada Life reveals that over half of UK adults (51%)1 have not written a will, nor are they currently in the process of writing one. This includes 13% of people who state they have no intention to write a will in the future. Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24, Wills and Trusts. Watch video now: https://youtu.be/aMuGs_ek17s #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #interestratecut #bankofengland #mortgagerates 

The ultimate house buying guide for Australian Temporary Residents! There are so many things to consider:  - Bank Lending  - Extra Govt Fees  - Property Buying Restrictions    So should you buy a home or investment property on a Temporary Visa, before getting your Permanent Residency?    We have Suman Dua & Jolly Dua from Nationwide Migration to discuss:  - Type of temporary visas eligible to buy property & where migrants are entering  - Are migration levels really dropping off  - Why middle ring Brisbane, e.g. Strathpine, Redcliffe etc could see a huge influx of immigrants and housing demand..  - Federal & State Government requirements  - Foreign Investment Review Board costs  - Stamp Duty costs  - Buying with an Australian PR/ Citizen  - Capital Gains Tax  - Buying as a New Zealand citizen  - How to get a loan  - Interest rates  - Bridging visas  - And so much MORE    This episode is PACKED with extreme detail.Thank you to: www.sumandua.com.au         Discussion Points: 00:00: Introduction 02:10: Busting migration myths & talking visas  14:21: Are migration levels really dropping off? 17:55: Temporary visa holders plugging skills shortages 20:54: A deep dive into FIRB 23:18: Buying property as a temporary resident  35:23: The situation for New Zealand investors 41:48: What to ask the professions: grants, stamp duty, tax & joint tenancy 48:44: Should temporary residents actually consider property investing? 56:11: Looking at the lender perspective  01:04:04: What can I buy and how much can I borrow? 01:12:41: Conclusion About The Host:   Subscribe to Aus Property Mastery with PK for no BS, “straight to the point” property investing strategies and data-driven insights about the Australian housing market - the only property podcast not biased by a “Buyers Agent”. You can listen to Aus Property Mastery on Apple Podcasts, Spotify & YouTube Music.    PK Gupta is the founder of the Property Investment Accelerator — Australia's #1 Rated And ONLY 100% Independent Real Estate Course & Mentorship Program that helps people achieve passive income through property investing using DATA, WITHOUT wasting months doing "research", spending weekends at inspections OR dropping $10-20k on Buyers Agents each time.  Resources: Watch FREE Trainings On Our Website

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comNext week, I'm putting out my top ten picks from the Weird S**t Investment Conference, so look out for that, and at the end of today's piece, there is also a short note on Condor Gold, which will be of interest to some readers.But we have a General Election coming up in the UK, and citizens of this once-great nation want to know how to protect what they have worked for from the incoming Labour Government, which, you can be sure, is going to be sniffing around like a spaniel on luggage in an airport. We now have the Labour Manifesto, so we can start to be a bit more specific than we were in part one of this series.I stress: this is only the manifesto. There is a long history of governments doing things they didn't mention in their manifestos or failing to honour manifesto commitments. Roosevelt's confiscation of Americans' gold is one example that springs to mind, but that might just be because I have just been writing about it. There are plenty of examples in the UK too, even with the current government - increases to National Insurance, the Covid money splurge, failures on renters' reform, home building, immigration pledges, social care, and so on. Circumstances change and so will pledges, especially with a Prime Minister who has quite a track record when it comes to changing tack. Do not be surprised by the surprises that are inevitably coming.The broad argument of part one is that the pound will continue to be debased. It will buy you a lot less in five years than it does now. Whether we will see the 33% declines in the pound's purchasing power we have seen since 2020, I'm not sure, but the way to hedge yourself is to own non-government money - gold and bitcoin.Labour has pledged to “keep mortgage rates low” and to “retain the 2% inflation target,” which means it will keep a lid on interest rates, or try to, especially with official inflation now having come down to 2%. That all furthers my argument that the pound will continue to lose purchasing power.Labour has a gazillion things it wants to spend money on, ranging from Great British Energy to new teachers, breakfast clubs, and increased NHS appointments, so it is going to need low rates. It has also said it plans to move the “current budget into balance” and “ensure debt is falling.” All I can say is good luck with that. No chance. Spending is going to increase, and, even with the inevitable currency debasement, it is going to need to find tax revenue too. That means higher taxes.But higher taxes where? Taxes, relative to GDP, are already at their highest levels since World War Two, and Labour has promised no increases in National Insurance, Income Tax rates, or VAT. It has also pledged to cap corporation tax at 25% throughout the Parliament.Some increased revenue, it says, will come from clamping down on tax avoidance and modernising HMRC. A lot easier said than done.The big unmentionables have been Council Tax, Capital Gains Tax, and Inheritance Tax. All three, I expect, will go up. Council Tax valuation bands are based on 1991 property prices. That is an obvious anachronism to “update,” though council tax goes to local coffers and Labour will be more interested in revenue at the national level. Even so, it is an obvious area of tax revenue growth. Not a lot you can do to avoid it, except move.Inheritance Tax, meanwhile, will not come down and will probably go up. It is, of course, morally wrong to want to pass the wealth you have earned and already paid taxes on to your heirs. Changes will be justified on the grounds of unearned wealth and exploit the politics of envy. The rate could rise to 50%, I suppose, while areas of relief - the seven-year gift rule, perhaps, the relief on main homes - could be removed. All I can say is plan early.Capital Gains Tax, meanwhile, is likely to rise. Starmer has avoided saying it won't. I expect to see it rise to levels concomitant with Income Tax with similar bands (i.e., 40% above £37k and 45% above £125k). The way to avoid this is by not transacting, which is what most will do unless they really have to, and so the effect of CGT rises will be market atrophy.Labour will also come after your pensions too - there is so much capital there - with those in the private sector likely to take a bigger hit than those in the state.There is also a lot of blurb about the launch of Great British Energy to “harness Britain's sun, wind and wave energy” with a windfall tax on oil and gas giants. That makes British oil and gas companies uninvestable. It says it will “deliver one hundred percent clean power by 2030,” though we know that clean power is neither clean nor green . They clearly haven't read their Alex Epstein, and it all means that essential fossil fuel will inevitably get more expensive, and the country will function less well as a result. Labour says it is going to reduce energy bills. Not possible without subsidies somewhere else, and these have to be paid for.The Housing MarketFollowers of Fred Harrison and the 18-year property cycle will note that Britain's housing market is heading towards a cycle high, with collapse starting in 2026. Perhaps that will be triggered by Labour's plans. It wants to fix planning and build a lot of social housing - that means a bet on builders and builders' merchants (Travis Perkins and Vistry, for example) might make sense, at least in the short run. There is a long history of governments failing to deliver on this, and I don't think Labour has any chance of meeting targets. If it comes anywhere close, it means Britain's housing stock is about to get even uglier.Labour's Freedom to Buy scheme, like Help to Buy, is just another means to pump more money into the housing market, and the general drift seems to be to subsidize at the bottom and tax at the top. It has ruled out Capital Gains Tax on your main residence, but I wouldn't be surprised to see it anyway. Meanwhile, Stamp Duty will continue, even if it means atrophy at the top end of the market. The attack on non-doms will also hit homes at the top end. For homes above £1 million, the costs of moving - high stamp duty especially, more if we get CGT too - just points to stagnation.Meanwhile, I expect the introduction of numerous schemes to protect tenants, which will only drive away landlords and end with higher rental costs.You know that I am a free-market guy, and I dislike on instinct market intervention, subsidy, and all the rest of it. All Labour's grand plans to encourage investment just reek of crony capitalism to me, so I tend to avoid, but I've no doubt that industrialists, who position themselves correctly, might make good money out of them. More on this after the election.My theory used to be this: that in the same way a Conservative Party that was so scared of the left-wing press became a social-democrat party, so will this Labour Government, scared of the right-wing press, end up lurching to the centre-right. I no longer see that. Labour is trying to present itself as centre-left, but the instinct is for government intervention and I see a lot more of it coming. The civil service, the Blob, and the government are theologically aligned and that is not good. It means they can progress their agenda. I'd love to be more optimistic, but, despite Starmer's purges, there is still a lot of socialist instinct in that party.Bottom line. Taxes are going to go up. Freedom is going to be eroded. The pound is going to lose purchasing power.If you are interested in buying gold, check out my recent report. I have a feeling it is going to come in very handy.My recommended bullion dealer is the Pure Gold Company. I also like Goldcore.Don't forget Life After the State - Why We Don't Need Government (2013), my first book, and many readers' favourite, is now back in print - with the audiobook here: Audible UK, Audible US, Apple Books. I recommend the audiobook ;)And if you are in the Edinburgh neck of the woods this August, look out for me at the Edinburgh Fringe. I'll be performing one of my “lectures with funny bits”. This one is all about the history of mining. As always, I shall be delivering it at Panmure House, where Adam Smith wrote Wealth of Nations. It's at 2pm most afternoons. You can get tickets here.Thoughts on Condor Gold

Welcome back to the APS News Bulletin, your source for the latest updates and insights from the Australian property market. Join Sammy Gordon, as he breaks down this week's most pressing updates and announcements along with his expert analysis to keep you informed and on top of news.    In this week's episode, Sammy reports and discusses: South Australia abolishes stamp duty for first home buyers The rental market to cool as household budgets hit limits  If you enjoyed this episode, please write in and let us know! If you have any news you'd like Sam to share his point of view send us an email at apsteam@australianpropertyscout.com.au. If you loved this episode please send it on to someone who would take some value, and please give us a 5 star review if you haven't yet and are loving the poddy! If you're taking tremendous value from these episodes why not share them with your mate? If you want your question answered on our podcast DM us on our socials or email us at apsteam@australianpropertyscout.com.au Send us your questions to: Instagram: @australianpropertyscout Want to book a call with us: Website: https://australianpropertyscout.com.au Any information, comments, opinions or content that we provide in this podcast is our general observations and information only and it is not to be taken as, or in any way, considered to be financial advice, accounting advice, superannuation advice or legal advice. We strongly recommend all and any listener and participant to obtain their own independent financial advice, accounting advice, superannuation advice and legal advice before acting in any way in relation to any investment at all including any investment in property such as what we might be discussing in this podcast. No warranty, guarantee or representation is to be taken and you cannot reproduce it in any way. Every persons financial or investment situation is different and you must consider your own circumstances before undertaking any investment and be sure to obtain independent advice. Australian Property Scout Pty Ltd | License Number: 10094798 | ABN: 64 638 266 369

From the Stamp Act of 1765 to Australian takeovers in 2024, there's never a dull moment with stamp duty! Jinny Chaimungkalanont joins Tony Damien and Andrew Rich to discuss all you need to know.

In the latest episode of the pod Andy is talking to our new Deputy Editor Amelia Murray about the stories from the last week that most affect your money, including: Mortgage rates on the rise Thames Water wants to put up bills by 44% NOW TV Sky Sports day pass price hike Can you find Amazon's video-only plan on Prime? Stamp duty rumours leaked Banks ignoring new ISA rules Issues with the rollout of government childcare scheme For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL   twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

When you're in the position to buy a home, you may have taken some time to understand the terminology that surrounds it. But for many of us, the first time you get your head around capital gains or negative gearing is when you're right in the midst of it. So today, The Quicky team breaks down housing market terminology so you're never the one who doesn't know when the time comes. Click here to take the latest Mamamia survey and you'll go in the running to win one of five $100 gift vouchers Subscribe to Mamamia GET IN TOUCH Share your story, feedback, or dilemma! Send us a voice note or email us at podcast@mamamia.com.au and one of our Podcast Producers will come back to you ASAP. CONTACT US Got a topic you'd like us to cover? Send us an email at thequicky@mamamia.com.au CREDITS Host: Claire Murphy With thanks to: James Fitzgerald - Managing Director of Custodian and the Author of Bullet Proof Investing Producers: Claire Murphy Executive Producer: Kally BorgAudio Producer: Jacob RoundBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

In this episode associate Mark Peters and partner Toby Eggleston discuss the potentially huge changes to the stamp duty regime in Victoria for commercial property. While it initially sounds straightforward, there are a number of nuances and potential issues for future transactions. More details can be found in our tax insights: https://hsfnotes.com/taxaustralia/2024/03/22/commercial-and-industrial-property-tax-victorian-duty-reforms/

Rob & Rob are back with more listener questions!  (0.50) Mo wants to get started in property investment and is looking for a strategy that will generate cash flow quickly without taking up too much of his time. Is buying blocks of apartments a good option for him?  (3.43) Steve is looking to sell his residential home, move into rented accommodation and use the funds towards his property investments. What taxes will he be required to pay?  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.  See omnystudio.com/listener for privacy information.

(If you prefer, you can watch this article in video form here)The youngster setting out on life in the west has a major problem. We live in a society that penalises hard work. Punitively and relentlessly.As Daylight Robbery readers will know, over the course of a life, half of everything a typical worker earns will be taken from him by the government. More if you factor in inflation. People think a house is the most expensive purchase you will ever make. It isn't. It is, by far and away, your government. And it's a forced purchase as well.Not only is the produce of your labour confiscated, it is spent on things on which you may often be philosophically opposed: wars, waste, masks, rainbow road crossings, corruption, human rights lawyers, Stonewall. I could go on.But that is the bind in which the western citizen finds himself. It is the price he must pay for a civilised society.So the typical worker finds himself working hour upon hour merely to stay afloat, his produce confiscated, week in week out. We can't all be Elon Musk, much as we would like to be. Unless you have a very well paid job indeed, this is your reality. It is very hard to get on. You are trapped.To make it worse, the money you are paid in also loses its value. Relentlessly. Thus what you got to keep is taken from you too.This will remain your reality, unless you change it.One solution, as I outline here, is to convert as much of your pay as possible into strong currency, but with 50% of your earnings constantly confiscated it is still a rough deal. (And don't say income taxes are lower than that, I know they are. There are many other taxes we must pay too.)So what to do?The answer is leave. Go somewhere where taxes are lower and the currency is stronger. Then you will be rewarded for your labour. And through your labour, you might actually be able to save and improve your lot.I have never been crazy about Dubai. I've always found the place a bit false. It lacks culture. I prefer places that are a bit more organic. I'd rather be in a quaint English village with an old pub and a beautiful church, wandering through the City with its mysterious, historical back alleys or lounging in some terracotta Mediterranean villa. What's more, the thought of the slave labour on which Dubai was built makes me feel very uncomfortable. In my stand-up act I sometimes do a joke: “as a stand-up you need some ready-made put-downs in case you have problem people in the audience, so I have been working on my put-downs, and the best I've been able to come up with is … You look like the sort of person that likes Dubai.” (Some audiences - usually cultured ones - love that joke, others are baffled by it)But all that said, every time I have been to Dubai I have had a good time. A very good time in fact. And I have always been well looked after.But here's the thing. There is no Income Tax in Dubai. VAT is just 5%. There is no Stamp Duty. There is no TV tax. There is no Council Tax. Petrol is cheap. Corporation tax is much lower. Booze, fags and sugary drinks face 50% excise duties. But who cares? You drink too much anyway.As for the money you are paid in, UAE dirham, well, that's pegged to the US dollar. It's not ideal, but it's better than the pound. So go the UAE, work, keep what you earn and, even in a relatively low-ranking job, in five years you will suddenly you'll find yourself in a very different, much stronger position than if you had stayed in UK, Europe or any high tax jurisdiction.Look at how crap our governments are. Why enable them? Live shows coming upIf you have not seen my lecture with funny bits about gold, we have two more dates in London lined up for Feb 14 and 15. Please come.And I am taking my musical comedy show, An Evening of Curious Songs, on a mini tour in the spring with dates in London, Somerset, Hampshire, Surrey and Essex. This is a really fun show.Here are the dates and places.* London, Crazy Coqs, W1. Wednesday March 20th. On sale now.* Bordon, Hampshire. Saturday March 23. On sale now.* Guildford, Surrey. Friday April 5. On sale now.  * Bath, Somerset. Saturday April 6. On sale now.* Southend, Essex . Sunday April 14. On sale now.Buying gold?Interested in protecting your wealth in these extraordinary times? Then be sure to own some gold bullion. I use The Pure Gold Company, whether you are taking delivery or storing online. Premiums are low, quality of service is high, you can deal with a human being. I have an affiliation deal with them. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Inanunsyo ng ACT Government ang paglawak ng stamp duty concession para sa off-the-plan unit purchases na may value hanggang AUD$800,000 para tulungan ang mga Canberrans na nagnanais na bumili na sariling bahay.

It's time for another round of listener questions!  (0:47) Mo's tenant has paid 5 months' rent up front for a 1-year lease. He recently had the first inspection, and the tenant has upgraded the house, and Mo's wondering if he should see this as a good thing?  (3:48) James is looking to sell his residential home as his family is growing, and he's got some burning questions about the SDLT he needs to pay.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.  See omnystudio.com/listener for privacy information.

On this episode:  Fresh out of the basement, SakéPapi is back. A change in Host may be on the horizon? The group recaps the week with an update in Stamp Duty plans GOV motions. Ladies, please remember “SING!” - Resignations galore & some political strategy speculation is in the air. Plus some Pop Culture news mixed with Cayman Culture/Tik Tok, this & much more!Support the show

This week on The Tax Factor Heather is joined by one of the country's leading experts on Stamp Duty and Property Tax, Blick Rothenberg Partner Sean Randall, so it's no surprise that we're talking about property. We'll take a look at what can go wrong on Stamp Duty, how to make sure you're not a victim of overzealous selling schemes that don't work, and how to make sure you get proper advice.See omnystudio.com/listener for privacy information.