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First Time Buyer for house uk

Discussion in 'Money Matters' started by hazlen, Mar 27, 2018.

  1. hazlen
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    hazlen Member

    Hello, I am currently on my first FLR (M) living with my British husband in England. I bought a property in the Philippines many years ago under my name using my PAGIBIG account, but my relative lives in it and they pay for the mortgage. So basically it's just under my name and I don't pay a dime to it.

    1. Am I eligible for the Help To Buy ISA or Life ISA bonus for buying house as a first time buyer in England?

    Their definition of a first time buyer:
    "A first time buyer is someone who does not own, and has never owned, a home anywhere in the UK or the world"

    Also,
    "I confirm by signing this First Time Buyer Declaration that:
    1. I am resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of
    section 28 of the Income Tax (Earnings and Pensions) Act 2003 (Crown employees serving overseas), are treated as
    being performed in the United Kingdom, or I am married to, or in a civil partnership with, a person who performs such
    duties.
    2. I do not own, and never have owned any interest in land, whether in the United Kingdom or elsewhere, which:
    (A) is:
    (i) in England or Wales:
    (a) freehold;
    (b) leasehold, where the lease was originally granted for a term certain exceeding 21 years; or
    (c) commonhold; or
    (ii) in Scotland, registered or recorded, or would be capable of being registered or recorded, as a right of absolute
    ownership in the Land Register of Scotland or General Register of Sasines in Scotland, as applicable; or
    (iii) in Northern Ireland:
    (a) freehold; or
    (b) leasehold, where the lease was originally granted for a term certain exceeding 21 years; or
    (iv) an equivalent interest in land to the interests in land listed in paragraphs (A)(i) to
    (iii) above under the laws of any jurisdiction outside the United Kingdom; and
    (B) comprises a building that is used or suitable for use as a dwelling, or is in the process of being constructed or
    adapted for such use; and
    (C) (i) which I acquired as a purchaser by way of sole or joint ownership; or
    (ii) which entitles me to possess or occupy that land."


    2. Can they even check if I owned a property before that's outside the EU?
  2. Drunken Max
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    Drunken Max Well-Known Member Trusted Member

    I doubt they would ever find out, assuming you delete this post
    • Agree Agree x 1
  3. Sanders
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    Sanders Banned

    I think Max is exactly right.

    I bought a house in the U.K. recently as a first time buyer and had bought houses in the U.K. on 3 other occasions in the past.
  4. Maley
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    Maley Well-Known Member

    You will havd to check - has your partner have an existing house or mortgage? Im not sure if they will consider it if one party already had an existing flat and both of you wanted to buy a house under your name.
  5. Drunken Max
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    Drunken Max Well-Known Member Trusted Member

    • Agree Agree x 1
  6. hazlen
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    hazlen Member

    My husband has not owned any property before.

    Also seems unfair to get hit by the Stamp Duty as I've never properly owned a house. I might risk it. I am still using my maiden name so changing to my husband's name could help. Hard trying to find anyone in a similar position to me.
  7. hazlen
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    hazlen Member

    Wouldn't they have records especially if it's houses in the UK?
  8. Drunken Max
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    Drunken Max Well-Known Member Trusted Member

    Everything is in the land registry but it would require the government to know what it is doing and also connect a name on the land registry with the name applying.
  9. John Surrey
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    John Surrey Active Member

    If he's whiter than white then maybe you can initially buy it in his name and then transfer the title to you both later.
    • Agree Agree x 1
  10. Markham
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    Markham . Lifetime Member

    Are you proud of the fact that you've defrauded honest taxpayers out of Stamp Duty? I am surprised that you so blatantly brag about it.
    • Dislike Dislike x 1
  11. bigmac
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    bigmac Well-Known Member Trusted Member

    beware stamp duty--it is a much higher rate if either of you own property anywhere in the world. you are supposed to declare it.
  12. Sanders
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    Sanders Banned

    You accusing me of fraud?
  13. bigmac
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    bigmac Well-Known Member Trusted Member

    dont be daft--lol. you bought houses before, what i said applies if you CURRENTLY own another--either of you--anywhere in the world.
  14. Sanders
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    Sanders Banned

    I was referring to the other guys remarks not yours. His was a bit out of order, not knowing my circumstances.
  15. bigmac
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    bigmac Well-Known Member Trusted Member


    i realised that i had replied by mistake.
    • Like Like x 1
  16. Sanders
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    Sanders Banned

    Also, BigMac. I paid stamp duty on my current and only property so all the more reason why the other chaps foolhardy statement should be retracted.
  17. Sanders
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    Sanders Banned

    Hi Hazlen,

    Ultimately it’s best to seek advice from within the legal fraternity. You will need a solicitor to do the conveyancing so try and have a preliminary chat with one or two. Also mortgage lenders can be helpful too. I would establish contact with such people or ask your partner to do that on a provisional and preliminary footing.
    Last edited: Mar 27, 2018
  18. Mattecube
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    Mattecube Glad i did it Trusted Member

    Honesty is always the best policy.
    • Agree Agree x 1
  19. KeithAngel
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    KeithAngel 2063 Lifetime Member

    Do you still own property in the Fils? In your wifes name of course I could ask the Yank with the big machine gun :)

    What notional Income is attributed for overseas property by HRMC to tax credit claiments?:rolleyes:

    Poor old honest taxpayers huh
  20. Markham
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    Markham . Lifetime Member

    No - which renders the rest of your chuntering from a sedentary position somewhat irrelevant.

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