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Changes in the threshold for stamp duty failed to stop the inroads made by the tax, a new study by a leading mortgage lender reveals.

Portman Building Society shows that in the following months after the rise in the exemption threshold from April 2005, British homeowners paid almost £60 million more in stamp duty than in the same period before April. Portman Building Society also advises that even though the government raised the threshold to £120,000, the change made minimal impact at a time of rising house prices, considering that the average property stands close to £200,000 and the typical first-time buyer purchase amounts to £145,000.

Matthew Wyles, group development director at Portman Building Society commented that "Stamp duty is no more than a form of advance capital gains tax - paid long before buyers have enjoyed any of the financial benefits achievable from home ownership". First-time buyers should be liberated from this unjust tax.

Newcastle Building Society is hoping to help first-time buyers by launching new mortgage deals aimed specifically at graduates.

Steve Urwin, the marketing manager from Newcastle Building Society advises they understand the issues first-time buyers face so they launched the 100 per cent mortgage and the guarantor mortgage at the society. Mr Urwin says that there are parents and grandparents who want to help their offspring become first-time buyers. This is made possible through sharing the initial cost of a mortgage, with the first-time buyers taking on increasing responsibility as they start getting paid more.

The new first-time buyer mortgage offerings include a deal that offers 100 per cent loan-to-value on properties valued up to £200,000.

The guarantor mortgage is available to first-time buyers between the ages of 21 and 35 who earn an annual salary of at least £15,000.

Please visit MoveTo for a wide range of properties suitable for first-time buyers.

About the Author: Alison White