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CHANGE OF USE: STAMP DUTY ON SECOND HOME


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Hi all.

Need some clarity on tax with regards to second home. If I was to change my second home/Holiday home to a BTL or holiday let via a new mortgage would I have to pay the extra 3% surcharge? I purchased the property in 2014 prior to the introduction of the SDLT surcharge. 

Also can anyone advise on a separate query if I wanted to raise money to refurb - is it better to use fundingcircle or look at mortgages products for the extra borrowing? 

 

Thanks all , appreciate any help. 

 

Ady

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