Fortunately in the UK you don't pay capital gains tax on the property you live in. You pay it on your second property I believe, but only if you sell, and only

Fortunately in the UK you don't pay capital gains tax on the property you live in. You pay it on your second property I believe, but only if you sell, and only if it is a second property at that point. CGT is also only 10% or 20% depending on your earning situation.