What’s changed with stamp duty 
Recent adjustments to stamp duty thresholds have brought welcome news for first-time buyers across England. The tax-free threshold has been raised, meaning many new buyers won’t pay any stamp duty at all on homes under £425,000 a significant boost, especially in high-demand areas. 

Who benefits the most 
These changes are designed specifically to support those getting onto the property ladder. First-time buyers now pay no stamp duty on properties up to £425,000 and receive a reduced rate up to £625,000. That’s thousands of pounds saved money that can go towards deposits, furnishings, or just easing the overall cost of moving. 

Why it matters now 
With mortgage rates beginning to settle and housing stock becoming more varied, the timing of these changes couldn’t be better. It’s helping to unlock affordability just when confidence is returning to the market. For many, it’s the extra nudge needed to make that first move. 

What to consider before buying 
While the stamp duty savings are real, it’s still important to consider all costs — from mortgage arrangements to legal fees. Getting financial advice early, and working with a trusted estate agent, can help you plan with clarity and confidence. 

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