Capital gains tax

Hopefully you have good records of all improvements (not normal maintenance as decorating would be). Perhaps before you make an appointment with a solicitor, cobble together records of all money spent on your cottage.

I'd likely go through my old diary, checkbook, bank records - looking for costs I may have forgotten, if I were you.

I keep yearly books&envelopes/folders - maybe you do that as well?

Nah! Never seen you waffle! 😊

I’m a terrible waffler! 😂

I am a retired solicitor thank you.

If you sell your holiday cottage, you might have to pay Capital Gains Tax. It depends on factors like how much profit you've made. Best to chat with a solicitor or accountant who knows about property tax.

No you wouldn’t!

Exactly what I was going to put GSM but I’d waffle!

You will only be liable for capital gains tax on any increase in value over the period during which it was not your main home, which sounds like 2012 to date. You have an allowance of £3k before you have to pay tax. You can deduct various expenses. See below
www.tax.service.gov.uk/calculate-your-capital-gains/resident/properties/

Your husband will not have to pay CGT on the house you both live in, assuming it has always been his main residence.

You will pay CGT on the difference between the purchase price and the selling price. There are amounts that can be deducted, such as certain fees and costs of some improvements if you bought a wreck’. It will be different for each individual circumstance especially if you’ve already used the CGT in that tax year. You may need to spread each sale over two tax years.
I’m not in any way an expert, but we have looked into our situation should we want to sell our second home.When we sell we will use our accountant to sort the tax.

You may have to pay CGT if the cottage has increased in value since you bought.
Impossible to say how much without knowing the values. When we had this issue our accountant worked it out for us