Updated October 2026 · Fraser Bond
Stamp duty
Putting a home in your child's name changes who owns it, not just the tax
Simplified illustration of England rates from April 2025. Check the HMRC calculator and take advice.
| Approach | Stamp duty effect | Other consequences |
|---|---|---|
| Child buys alone, you gift deposit | Child's status applies (FTB relief possible) | Gift may be subject to inheritance tax if you die within seven years |
| You and child buy jointly | Surcharge if you own another home | You're a joint owner and liable |
| You buy, child lives there | Surcharge applies | You're the landlord or owner; capital gains on sale |
Frequently asked questions
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Can I buy a house in my child's name?
Only if they're 18 or over to hold legal title, and they will legally own it.
Is it legal to use my child's name to avoid stamp duty?
Not if you're really the buyer. HMRC treats disguised arrangements seriously.
Can I gift my child a deposit?
Yes. Lenders will want a gifted deposit letter, and inheritance tax rules may apply.
Helping your child buy their first home?
Talk to us about finding the right property and structuring it properly.
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