First-time buyer relief, compared
First-time-buyer relief exists in England, Northern Ireland and Scotland, but not in Wales — a genuine policy difference, not an oversight.
| Nation | Relief | Price cap |
|---|---|---|
| England & Northern Ireland | Reduced rate up to the price cap | £500,000 (withdrawn entirely above this — a cliff, not a taper) |
| Scotland | Wider nil-rate band | No price cap on eligibility |
| Wales | None | Not applicable — the Welsh Government's stated position is that the high nil-rate band (up to £225,000) already serves the same purpose. |
Calculate your own figure as a first-time buyer in any of the three nations.
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