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Decision guide

Keep, sell or remortgage a rental

How to use this decision guide

Share this in landlord forums or on your channel when rates and costs are in the news. Owners ask this question long before they speak to an adviser.

What is inside

The routes side by sideKeep as it is
Quick answers
Tests that point to keepingThe numbers hold up: Rent covers the mortgage, the costs and an allowance for empty weeks, even in the worst case.
Tests that point to sellingThe rent no longer covers the costs: You top up the gap from your own pocket every month.
When refinancing is worth a conversationA fixed rate that is ending, a rise in the home's value or a wish to raise money can all be reasons to look at a new deal.
Questions to ask before you chooseWhat would my payment be on a new deal, and what would it cost to change?

Three title ideas for your own version

Keep, sell or remortgage a rental
Should I sell my buy to let
When a rental stops paying its way

Where to promote it

Landlord forumsYouTubeLinkedIn postslandlord association newsletters

Why give owners a guide to keeping or selling a rental?

Owners search for this when costs rise or a mortgage rate ends. A fair set of tests builds trust and leads to a conversation about the numbers and the advisers to ask.

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