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    Ho guadagnato più di 1.000.000 di sterline con la mia casa da cinque letti: merito uno sgravio fiscale per ridimensionarmi

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    32 commenti

    1. endofdays2022 on

      “My husband and I live in a five-bedroom detached house in [Surrey](https://metro.co.uk/tag/surrey/) that is now worth £1.2million. We bought it for £80,000 in 1985 and it’s been our family home since.”

      TLDR; concerned she might have to pay stamp duty on her next house…..

      Journalist unimpressed.

    2. 811545b2-4ff7-4041 on

      >We want to downsize to a nice three-bedroom bungalow in the same village but the stamp duty and **moving costs will eat into the cash we are planning to use to fund our long-awaited round the world cruises in retirement**. It feels like we’re being penalised for freeing up family housing?

      This made me chuckle, however much I think stamp duty is a regressive tax.

    3. Primary-Effect-3691 on

      Think the journalist is missing the bigger picture here. Whether or not Margaret is being unreasonable, she’s disincentivised from putting the house on the market.

      We don’t necessarily need to like Margaret to understand that some people think like this, and that has knock on effects on the housing market

    4. AllThatIHaveDone on

      This is just clickbait from the Metro. I doubt ‘Margaret’ exists outside of the “journalist’s” AI personas.

    6. fairkatrina on

      All these boomers in overvalued houses that the next generations can’t afford are a bubble waiting to pop.

    7. Wild_Beginning_4032 on

      Papers owned by the DMG should not be read by anyone. 🖕to divisive tabloid media

    8. bars_and_plates on

      At the end of the day what she or you feels she deserves is basically immaterial.

      Stamp duty makes people not want to move house unless they absolutely have to. No-one wants to voluntarily lose x% of their net worth.

      Unimproved annual land value tax, sort out the planning system, everything will fix itself.

    9. pja on

      This is why stamp duty is a terrible, terrible tax that distorts the housing market & probably causes economic losses that exceed the tax take to HMRC.

      It should be replaced with a % property tax. Ideally one that replaces both council tax and stamp duty, as suggested by Prof Leunig & co here: https://www.ukonward.com/wp-content/uploads/2024/08/Onward-A-Fairer-Property-Tax.pdf

      The political problem is that people like this couple will scream even more loudly about having a % property tax imposed on them, but it’s the only equitable way out of the tax mess that stamp duty & council tax have created.

    10. dr_barnowl on

      “Other people worked to improve the value of my house by making the local area more valuable, I should get to keep more of that labour as a little treat”

    11. IfBob on

      How actually unreasonable is it? Should there not be some sort of incentive to downsize and therefore reduce the housing shortage burden?

      I mean, im not gonna feel sorry for someone owning a million quid property but similarly if theyre doing a good thing shouldn’t it be incentivised?

    12. atmoscentric on

      Margaret didn’t do anything wrong, she bought a house which happened to increase in value over time. She didn’t manipulate the market, she just bought it, considered it her home for 45 years, and now sits on a nice nest egg.

      Margaret, now in her sixties, is just asking a question only to find out she is made out to be the cause of the state of the housing market. Margaret should really just shrug her shoulders, reject this morose jealousy, and live her life.

    13. raven43122 on

      “ We want to downsize to a nice three-bedroom bungalow in the same village but the stamp duty and moving costs will eat into the cash we are planning to use to fund our long-awaited round the world cruises in retirement.”

      I refuse to believe this is a real person. 

    14. BreadfruitOdd9974 on

      ALL OF THIS CAN BE SOLVED IF REAL ESTATE HOLDING WERE TAXED AT REASONABLE RATES INSTEAD OF THE JOKE THAT IS UK COUNCIL TAX.

      In the USA, that house would see about 25-30,000 per year in real estate ownership tax (2-3% of value). That money goes to fund local services, schools, and more. It is (at least in good areas) progressively weighted – higher end properties pay more. The tax is paid regardless of habitation status. This encourages productive use of real estate and allows for a true property ladder, not this outrage.

      While the us system is not ideal and there are downsides, the simple fact is that the gap between homeowners and non-homeowners in the UK is so ridiculously vast that a progressive taxation solution is needed. Unfortunately, as long as homeowners in the UK have most of the power (as they do) things are unlikely to change.

    15. No_Title_5126 on

      £1,000,000 house owner moans that taxes on their home are eating into their world cruise fund.

      😂 Fuck off!

      “We want to downsize to a nice three-bedroom bungalow in the same village but the stamp duty and moving costs will eat into the cash we are planning to use to fund our long-awaited round the world cruises in retirement.”

    16. PingouinFluffy on

      Whatever the cost would have been today if house prices hadnt gone completely mad, £80,000 in 1985 was an expensive house. We paid £20,000 in 1985 for a large Victorian semi and people told us we were mad.  Dual incomes and v low interest rates did the rest.

    18. Elanthius on

      In a certain sense I agree because stamp duty is a ludicrous tax that is preventing people from achieving their goals with little benefit. The world would be a better place if the tax system encouraged this person to move to a better fitting house by charging them a tax for staying where they are instead of a tax for moving. i.e. reddit’s favourite tax – LVT

    19. ShqueakBob on

      How much is 80k in today’s world though? Not anywhere near a million I bet

    20. Pogeos on

      If you exclude all the rage baiting here, the point is actually reasonable: stamp duty is a tax on mobility, whether you want to upsize or downsize – you have to pay to the government, you want to pursue job in a different part of the country – you need to pay to the government, whatever you do – you need to pay. This is simply wrong.

      I’m in a simillar boat – we’ve outgrown our house and in a lucky position to upsize by 1 room. The price difference betwee our house and a house with another extra room – is about 50k, the cost of transaction is 30-35k. I can’t justify it, so we stay put. 😞

    21. daiwilly on

      Anyone who claims they made money on their house is deluded. Economics made you money, you sat on your fat arse and watched the asset grow.

    22. Orangesteel on

      I like to be tolerant and kinda and this is kinda a rage bait post, but f@ck that guy

    23. kobylaz on

      I mean stamp duty is a really stupid tax. We wanted to move but the stamp was 18k 🤣 Either way, chin up buttercup you’ll be fine. 

    24. ron_mcphatty on

      Clickbait or not, I enjoyed reading that a lot. Margaret can do one, right after she’s learned to appreciate how well she’s done with her money.

    25. Rough_Champion7852 on

      I do believe stamp duty should be ratcheted in some way.

      You pay £6k on your first property.

      You sell and buy the second, the stamp duty is the £15k. However, you have already paid £6k on your last home so the bill is actually £9k.

      Get people to pay on the way up but make sure it is not a barrier to movement later on.

    26. LFC_Egg on

      I have three words that probably summarises what the majority of people under 40 probably think.

      Go. Fuck. Yourself.

      As if these people haven’t already had enough.

    27. Cute_Speed4981 on

      Don’t you get your stamp duty refunded, once you change your main residence?

    28. JackSpyder on

      Stamp duty when upsizing should be paid on the price difference, not the full value, and then when downsizing, not required. this will help mobility in both directions. Laddering upwards is severely hampered by stamp duty rates. We want people downsizing who don’t need large properties, to give way to people who do, similarly we want people to be able to ladder upwards towards those bigger properties as families grow.

    29. endianess on

      My MIL is in a similar position and I’ve advised her to stay put and use the money she would have forked out downsizing to pay for a gardener etc to help maintain her current property.

      At some stage she will have to downsize to a flat or care home but this just skips that middle interim move. She saw her own parents do it and they lost lots of money and it just caused a lot of stress at an age where you want to avoid it.

    30. Glittering_Win_5085 on

      You’ve made all that money and you’re fucking whingeing when the world economy is collapsing. Very silly. 

    31. No-Dance1377 on

      Over 250 comments so far on what is in all probability a completely fabricated scenario.

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