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SO - stair casing

3 replies

CPHB2021 · 31/03/2022 15:28

Awaiting an appointment with a broker but asking here too, in case anyone has experience of this.
We have already owned one SO house and sold it in two days, two years ago. We still couldn't afford open market so opted for a bigger SO property again.
We bought this SO house almost 2 years ago, 40% share of £365k.
We're considering staircasing but the house has now been loosely valued at £380-90k.
We only want to staircase if we can reach 100%. We know it's not our forever home but realistically we will be here another 5 years or so. We also know that if we want to sell, as a SO property it's better to sell at a lower percentage. So it's either stay where we are or go to 100%.
My big concern here is, if this value keeps rising, surely the chance of 100% keeps drifting further into the distance.
Combined income is roughly £68-70k plus I do earn commission regularly so not sure if that could be included.
Does anyone have any idea about staircasing when the value has risen significantly?
Many thanks!

OP posts:
Vasectomyreversalhopeful · 31/03/2022 15:56

We staircased to 100% when we sold. Meant less equity from the sale but still enough for a deposit to buy normally :)

CPHB2021 · 31/03/2022 15:58

@Vasectomyreversalhopeful

We staircased to 100% when we sold. Meant less equity from the sale but still enough for a deposit to buy normally :)
Had the house gone up a lot in value? Had your salaries? I'm worried if we go to, say, 75% now. What happens if we can never reach that extra 25% 😩
OP posts:
Vasectomyreversalhopeful · 31/03/2022 17:55

It had gone up £60000 and our income had gone up yes. However we paid it all from the equity so pay less important.

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