I do some voluntary work http://www.sudokuhints.com/free-twice-your-monkey-slots/ free twice your monkey slots  The effect of stamp duty on the housing market has become more acute since the financial crisis. When first-time buyers could get 100pc mortgages, saving up the stamp duty didn't take too long. Now, however, deposits of at least 10pc are required, with the stamp duty on top. Falls in house prices since the pre-crisis peak have also wiped out the equity in many people's homes, so their savings are needed for a deposit when they move to another property and cannot be used to pay stamp duty.