So, hypothetically, say you we involved in an accident that required hospital treatment - would you book a private ambulance and wait a couple of hours for it (using untrained crew) to take you to a private hospital of your choice or would you use the ambulance service to transport you to an A&E...
Only if you are a first time buyer - 1% for £125k-£250k
Any loop holes are almost certainly "pub talk" ones - HMRC will look closely at any purchase close to the bands