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Selling a house in Manchester when you are downsizing

Moving somewhere smaller, on a date you choose. We buy the house, and that is the whole of what we do here.

Drafted copy — awaiting client approval

This page was written by the agency. Nothing on it came from the client. It sits close to equity release, which is a regulated financial product, so it has been written to signpost rather than advise — and it must be read and approved before this site goes live.

Moving somewhere smaller, on your own timetable

The house did its job. The children grew up in it and left, the stairs are less welcome than they were, and there is more of it to heat and clean than anybody needs. Wanting to move somewhere smaller is not a problem to be solved. It is a decision, and the only difficult part is usually the timing.

What we buy is the house. That is the whole of what we do here, and it is worth saying plainly at the start, because this is an area where people are sold other things.

Why the chain is the part that goes wrong

Most people downsizing are buying as well as selling, and often buying something in short supply: a bungalow, a ground-floor flat, a place in a particular development near particular people. Those do not come up often. When one does, it tends to go to whoever can move first.

The ordinary route asks you to find a buyer, hope their own sale holds, and then compete for the bungalow with somebody who has already sold. A sale that does not depend on anyone else’s chain removes that. It does not find you the bungalow, and we would not claim it does, but it changes what you can say when you have found it.

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If you are thinking about equity release

Equity release and lifetime mortgages are regulated financial products. We are not financial advisers and nothing on this page is advice about them.

If that is what you are weighing up, speak to an adviser authorised by the Financial Conduct Authority before you decide anything. The Money Helper service, which is free and government-backed, also covers the ground. Selling a house and taking out a product secured on it are different decisions with different consequences, and only one of them is something we are part of.

Clearing the house

Forty years of belongings is the part people put off longest, and it is the part that stops a move more often than the money does. Take what matters to you, in your own time. What is left can stay exactly where it is — furniture nobody has room for, a loft that has not been opened since the nineties, a garage with a workbench in it.

Condition is not a factor either. A kitchen from another decade, a boiler on its last winter, a bathroom that needs doing: none of it changes whether we buy, and none of it is worth spending money on first.

Questions people ask

We have not found anywhere to move to yet.

That is the usual position and it is not a reason to wait before ringing. You can have a figure now and use it, and the completion date is yours to pick. If that turns out to be months away, months is fine.

Is this the same as equity release?

No. Equity release leaves you in the house with a loan secured against it, and it is a regulated product sold by authorised advisers. We buy the house, you move, and there is no product and no interest. If you want the other thing, we are the wrong people and an FCA-authorised adviser is the right one.

Our children have views about this.

They usually do, and a figure tends to make that conversation shorter than a valuation does. Nothing about asking commits you, and we will not ring you back to press the point while the family is talking it over.

Will we get less than the house is worth?

Yes. You get less than full market value, and that is the trade: a certain buyer and a date you choose, against a higher price and an uncertain wait. If the higher price matters more than the certainty, an estate agent is the better answer and we would rather say so.

There is no hurry in any of this, and anybody telling you otherwise is selling something. Ring when you want a number, and take it away for as long as you like.

No fee. No obligation.

Get a figure and take it away

There is no hurry in any of this. Ring when you want a number, take it to the family, and come back whenever you are ready.

Talk to someone now 0161 806 1235

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