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Northwich, ,Cheshire, CW8 1BY

19 Hooker Street

Buying a property

General Provisions

Buying a home is likely to be the biggest purchase you will ever make and an event that you will remember forever. Therefore, here are Bowyer Estates we want to ensure you have a hassle and stress free experience, filled with joy and excitement and with a professional service which is second to none from your first viewing, through to the collection of your keys.

Bowyer Estates offer viewings seven days a week and where possible after work viewings, as we appreciate that not everyone is available Monday to Friday. We will also help negotiate your purchase, put you in touch with local mortgage advisors and solicitors if required and will work with you, giving guidance throughout the entire purchase process, with regular weekly updates on the sale process and appointments for further viewings, as we appreciate one is not always enough.

Here at Bowyer Estates, we are as positive about finding a property for our clients as they are and therefore our systems are modern and up to date and when new properties become available through ourselves, we will text, email and phone our buyers to ensure the right buyer is found for the right house, as quickly as possible.

We would also like to highlight that from April 2016, the new 'Stamp Duty' threshold comes into force on 'Buy To Let' properties. Therefore, we are noting below for all parties information, the current Stamp Duty brackets and what they will be from April 2016, helping you budget accordingly with finances when looking to purchase a second property.

Residential Rates on purchases from 8 July 2020 to 31 March 2021

If you purchase a residential property between 8 July 2020 to 31 March 2021, you only start to pay SDLT on the amount that you pay for the property above £500,000. These rates apply whether you are buying your first home or have owned property before.

You can use the table to work out the SDLT due:

Property or lease premium or transfer value SDLT rate
Up to £500,000 Zero
The next £425,000 (the portion from £500,001 to £925,000) 5%
The next £575,000 (the portion from £925,001 to £1.5 million) 10%
The remaining amount (the portion above £1.5 million) 12%

From 8 July 2020 to 31 March 2021 the special rules for first time buyers are replaced by the reduced rates set out above.

Higher rates for additional properties

The 3% higher rate for purchases of additional dwellings applies on top of revised standard rates above for the period 8 July 2020 to 31 March 2021.

The following rates apply:

Property or lease premium or transfer value SDLT rate
Up to £500,000 3%
The next £425,000 (the portion from £500,001 to £925,000)/td> 8%
The next £575,000 (the portion from £925,001 to £1.5 million) 13%
The remaining amount (the portion above £1.5 million) 15%

Source: HMRC (please always ensure your solicitor checks your stamp duty calculations for you, when agreeing a purchase)


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