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Purchasing a property, whether to live in as an owner/occupier, or for investment, is one of the largest purchases the ordinary person will make. Many things must be considered, such as the type of property, the best location in which to purchase, and of course, the price. Buying property to live in often becomes an emotional decision rather than a financial one, and everyone knows at least one hard luck story of someone who fell in love with a property and purchased it, even though the financials were a bit shaky. Factor into this minefield the cost of stamp duty (or transfer duty), and it's easy to see how people get into financial trouble.For the uninitiated, stamp duty or as it is now known, transfer duty, is a state government tax that is levied on documents that influence certain types of transactions under the provisions of the Duties Act 2001. Like any government legislation, there are rules set down that detail when transfer duty is payable, how it is calculated, and when it must be paid. When purchasing a property, and not knowing much about conveyancing property buyers are well advised to seek professional legal assistance. However, here is some general information that...more
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IntroductionTurbulent economic conditions in Europe have exposed consumers to uncertainty as to what the future holds. This has important implications for financial services (FS) providers and their client interactions.Scope*The report discusses the...more
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