Economist who predicted last two housing crashes warns the market is already in freefall. Your home's value could plummet by £82,000 - here's what to do to protect yourself

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- First-time buyer zero rate up to £300,000 only applies if buying a home costing £500,000 or less
- *Transactions under £40,000 do not require a tax return to be filed with HMRC and are not subject to the higher rates
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