There's no single right answer, and it's not a decision to make in a moment of stress. Look at your portfolio, and each property in it, through three lenses: the finances, the market and regulation, and your personal situation. Then decide whether to sell or hold. If there's a big red flag preventing you from making a decision, this needs to be addressed first.
Interest rates, tenant regulation, energy performance, accounting etc are all adding cost and complexity for landlords. Returns are generally lower than they used to be, whilst the responsibility continues to increase.
Every property investor is weighing up the same decision. Do you keep holding, collecting the cashflow and capital growth, in spite of the changes and the uncertainty ahead? Or do you exit the market, take the equity, and move it into something else?
Most people don't make this decision from a position of clarity. It gets triggered by external events that create stress. Stress clouds judgement, and either leads to an over-reactive decision to sell, or an indecisive reason to hold, both of which can lead to regret down the line.
Look at your portfolio, and each property in it, through three lenses before deciding to sell, hold, or fix.
Once you've looked through all three lenses, here's how the decision usually breaks down.
The return on equity or cashflow isn't high enough to justify the money tied up or the responsibility involved in being a landlord. Sell, bank the money and move on.
The cashflow and return on equity are solid, and you're happy to keep holding for another three, five, or ten years. You're prepared for the regulatory changes ahead, and there's no personal reason to exit.
Something specific is stopping you selling or holding: negative equity, negative cashflow, a lender issue, a refinance problem, a renovation that's needed, or a management issue. Fixing that first is what makes selling or holding possible.
It starts with a free introductory call to get to know your situation, both the property portfolio, your objectives, and the challenges you're facing. From there, we can decide if it makes sense to work together to audit the portfolio and establish the best strategy, which you can then either execute yourself, or get further support from me to execute it.
No. If you already knew, you probably wouldn't need help. The introductory call is a no-obligation conversation to understand your situation, not a sales pitch for one particular outcome.
Yes, and usually they do. A five-property portfolio might have two you sell, one you fix, and two you hold. The audit looks at each asset on its own numbers, not the portfolio as a single block.
It depends on the number of units in your portfolio, but audits start from £500.
No pitch, no obligation, just an honest conversation about where things stand and what your options actually are.