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4 replies

Househunting21 · 17/08/2021 16:01

Caught in chain hell at the moment, I'm turning my mind to how to avoid ever being in one again! Our next move after this, should we ever make it, would be a lifestyle change to the countryside and, barring an unlikely lottery win, we won't be in a position to buy outright.

Renting between sales seems difficult and full of potential pitfalls, so would like to avoid that. But how realistic would it be to get a small second mortgage, buy a smaller/less desirable house somewhere near our preferred area, move into it and then sell our bigger house and look for the forever home?

We would obviously need to save enough to cover a deposit, increased stamp duty (twice!) and the various moving/legal fees, plus have sufficient income to service two mortgages. Challenging enough in itself, but should we manage to achieve it, are there any drawbacks to this idea? Can't decide if it's a sensible goal or pie in the sky occasioned by the emotional turmoil of being in a tricky chain!

OP posts:
HasaDigaEebowai · 17/08/2021 16:03

Why? I don't get it.

Finfintytint · 17/08/2021 16:06

Sounds like you’d be wasting far too much money with this idea. Renting while you look in your desired area for a while would be cheaper surely?

minipie · 17/08/2021 16:08

What’s the benefit compared to renting between sales? You still have to move twice, compromise on where you live whilst searching for the “dream home”, and the stamp duty and fees will make your plan way more expensive.

It would only make sense if you wanted to keep the smaller place long term, eg as a buy to let or holiday let.

GlumyGloomer · 17/08/2021 16:15

You'd be liable for the hefty second home stamp duty, also extra moving costs and solicitors fees.
Also, while you can choose to be a chain breaker, you can't dictate that your sellers are chain free. So you might not gain a completely stress free transaction even after all the cost. Not worth it.
Good luck with your current move.

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