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Anon@0913 - I am not an idiot and I can see how it works - the point I make is that if the Minister thinks the potential increase in value of the house is marginal, so is any reduction in the saving on SDLT - on your example 1.2% of purchase price which is not significant on any measure. I do see the funding difference but that is not material to the point I was making, which you seem unable to grasp.

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