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Changing tenants in common percentages or to joint tenants and stamp duty and tax!!

2 replies

123NorthWest · 27/07/2025 15:54

Hi all,

My partner and I (not married) are about to buy a house as tenants in common in a 70/30 split.

In the future we may wish to change this split (for example to 60/40) or change to joint tenants.

Please can I ask if anyone knows if there would be any stamp duty payable or capital gains tax if we changed the tenants in common percentages or changed to joint tenants in the future?

thanks so much

OP posts:
TizerorFizz · 27/07/2025 23:58

No retrospective stamp duty. CGT not payable on main residence. You can have whatever proportion makes sense.
Ring fence your share of the deposit by a legal agreement. If you are the 30% and you have dc, is this good enough if you split? Are you a lower earning woman? Marriage is better for lower earning women with dc.

Unexpectedlysinglemum · 28/07/2025 00:00

If you wanted to change then you could just do a deed of trust, eg state that one of you gets 79% of the sale and the other 21% or whatever? Or one gets £100k back then the rest is split

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