How to Avoid Overpaying Stamp Duty Before Completion

Buying a property is exciting - but Stamp Duty Land Tax (SDLT) can quickly become confusing. Mistakes in calculating SDLT before completion can cost thousands and lead to delays or refund claims.

With pre-completion SDLT advice from SCA Tax, you can ensure you pay the correct amount the first time and avoid overpayment.

Why Pre-Completion Advice Matters

• SDLT is self-assessed, and HMRC rules are complex.
• Errors can occur even in standard transactions, especially with mixed-use, high-value, or corporate purchases.
• Getting advice before completion ensures correct rates, reliefs, and surcharges are applied.

Common SDLT Issues Before Completion

• Property Classification Errors – Residential vs. mixed-use.
• Missed Reliefs – First-time buyer relief, corporate exemptions.
• Over-Application of Surcharges – Second-home or additional property surcharges.
• Linked Transactions & Pre-Completion Assignments – Complex chains can affect SDLT.

How Pre-Completion Advice Works at SCA Tax

• Review of draft contracts, property details, and ownership structure.
• Advice provided to your solicitor/conveyancer for correct SDLT treatment.
• Deliverable: written confirmation of SDLT due and a clear checklist to prevent overpayment.

Benefits of Pre-Completion Advice

• Avoid Refund Claims – Pay the correct amount upfront.
• Reduce Risk of HMRC Queries – Accurate SDLT reporting avoids complications.
• Save Time and Cost – Prevents delays caused by incorrect returns or overpayments.

Who Should Consider Pre-Completion Advice

• High-value or unusual property transactions
• Mixed-use or commercial/residential purchases
• Corporate, trust, or joint ownership transactions
• Properties with chain or pre-completion assignment complexities

How SCA Tax Can Help

SCA Tax provides expert pre-completion SDLT advice to ensure your transaction is tax-compliant and cost-effective.