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Downsizing Homes: Payoff for You and Your ChildrenCreated by Verity in Retirement and pensions
الاتصالات السعودية تداول اسهم السعودية مباشرة There are a host of reasons why over 55s are often unwilling to move house, from the sentimental to the logistical, but if your home has unused bedrooms it could pay off greatly to downsize to a smaller property.
تعليم شراء وبيع الاسهم New figures from Savills, commissioned by the Yorkshire post, found that downsizing from a five-bedroom property in Yorkshire to a two-bedroom could net as much as £326,565. In the South East, swapping a five-bedroom home for a three-bedroom property nets property owners nearly half a million pounds, over £450,000 on average.
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Perhaps you’ve already helped your children by saving up a nest egg for them, but chances are by the time they’re looking to purchase their first property they have spent their windfall on a car, wedding, or student loans. In fact, since the financial crisis, first-time buyers have been reliant on their parents to raise a mortgage deposit and have received two to three times more financial help than before the crisis hit.
Neal Hudson, residential research expert at Savills, told the Yorkshire Post: “It’s interesting to compare the amount of cash released by a mainstream move from a three- to a two-bedroom property with the average deposit needed by a first-time buyer. Although there is some regional variation, this comparison indicates that such a move would release equity worth two to three times the size of the deposit needed.”
In other words, sacrificing a bedroom could allow you to help the next generation of homeowners in your family get on the property ladder, with cash to spare to put towards your own retirement. If moving house is not an option, however, you can still help your children and grandchildren raise their first mortgage deposits by saving in advance into an تداول الاسهم السعودية ISA, offered by providers like الدولار اذا ارتفع ارتفع معه سعر الذهب Shepherd’s Friendly, or other tax-free savings vehicle.
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Over 55s hold as much as two-thirds of all the property wealth in the UK, according to recent analysis, which means that this age group has the most to gain when it comes to downsizing.
Not only could you pocket enough money to help your children, take a holiday, or boost your pension income, but a smaller home also means less expenditure on upkeep.
A smaller home means lower energy bills, lower heating bills, and less maintenance. Of course, no one can make you move house or make you feel like you are being unreasonable for staying in a home that is larger than you need – a common sentiment against over 55s in housing shortages. But if you’re looking to release a sizeable amount of cash, downsizing could be a good option for you, your children, and your wallet.