Did you get my supplementary questions?
1) Do my daughter and I each get £10,900 CGT allowance?.
If so, that would solve the issue as the gain is only £21,000.
Assume the allowance only works in the year of sale i.e. cannot work for each of the 10 years we have owned.
2) Two types of expenditure, both well beyond 'normal wear and tear' which might be allowed against CGT?
a) Restoration from major damage caused by tenant's cannabis 'factory' in the house.
b) Essential replacement windows - wooden ones has disintegrated.
The 'adviser' was only a telephone helpline so no longer in contact.
Thanks very much - that answers my questions. Just have to hope the agreed sale goes through now!
Excellent service !