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SDLT on transfer of mortgaged property?

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I understand that when beneficial interest in property is transferred between spouses the amount of mortgage liability assumed by the transferee is regarded as consideration and SDLT is payable on any amount over the threshold of £125000, but can anyone tell me what happens when:
• Spouses hold the property as tenants in common
• the mortgage is in their joint names with joint and several liability i.e.

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