Should I sell my buy-to-let 所有物／資産／財産s empty or with tenants living there?
I own a couple of buy-to-lets that I want to sell. The 直す／買収する，八百長をするd 率 mortgages are coming up for 再開 next year and, if 利益／興味 率s remain 概略で where they are, my costs will balloon and I'll be making losses on both.
One of the tenancies is 予定 for 再開 in April next year, while the other is 予定 to 新たにする at the end of December this year. After that they will 落ちる on to 基準 rolling periodic tenancies.?
Both 始める，決めるs of tenants want to stay put and I am yet to tell them of my 意向 to sell.?
What I would like to know is whether it is best to 立ち退かせる the tenants before putting the 所有物／資産／財産s on the market, or to sell with them in situ?
Conundrum: The landlord wants to sell but is 自信のない whether they should make the 所有物／資産／財産 空いている, or keep t 相続人 tenants in situ until they find a 買い手
明白に, I could do with their rent while I try to sell, 特に if it takes a long time and I 結局最後にはーなる 落ちるing の上に my 貸す人's 基準 variable 率.?
This would see my 利益／興味 率 jump from about 2 per cent in both 事例／患者s to around 8 per cent, quadrupling my 月毎の mortgage 利益／興味 costs.
But I am also aware that this could 原因（となる） 問題／発行するs when trying to sell, and I don't やむを得ず want to 制限する myself to selling only to landlords. What should I do??
Ed Magnus of This is Money: This is a conundrum 直面するd by many landlords across the UK at the moment.
There are 現在／一般に more than 2million buy-to-let mortgages 優れた, によれば UK 財政／金融. Many will be?seeing their 利益（をあげる）s decimated by higher mortgage 率s.
The 普通の／平均（する） new buy-to-let mortgage 率 is 現在／一般に around 6 per cent. This means a landlord with a £200,000 利益／興味-only mortgage will 直面する 支払う／賃金ing £1,000 a month if buying or remortgaging at the moment.
追加する that to 無効の periods, 修理s, 維持／整備, letting スパイ／執行官 料金s, 同意／服従 checks, 保険 and service 告発（する），告訴（する）／料金s and it shows why some landlords may choose to 出口 the market.
The 苦痛 原因（となる）d by higher 利益／興味 率s is already showing up in 増加するd mortgage arrears.
Year-on-year, the number of buy-to-let mortgages in arrears has 二塁打d, によれば UK 財政／金融 data.
If you feel you have no choice but to sell, you have a choice over whether to sell 空いている or with the tenants remaining in the 所有物／資産／財産.
Selling with tenants in situ may 控訴，上告 to another buy-to-let 投資家, who will be 保証（人）d tenants and rent from day one.
However, it may also have the opposite 衝撃 on a 見込みのある 買い手 who ーするつもりであるs to live in the 所有物／資産／財産.
It's 価値（がある） 耐えるing in mind that if you do 結局最後にはーなる selling to an owner occupier then you will need to give your tenants at least two months' notice, which could 潜在的に slow 負かす／撃墜する your sale.
We decided to 捜し出す the advice of a mortgage 仲買人, a lettings スパイ／執行官 and an 広い地所 スパイ／執行官 on the 事柄.?
We spoke to Howard 徴収する, director of buy-to-let lending at mortgage 仲買人 SPF 私的な （弁護士の）依頼人s,?Katinka Hill, 地域の lettings director at Chestertons, and?William Pasquali, an associate director at the 広い地所 スパイ／執行官, Hamptons.
Is it better to sell as 空いている or with tenants in situ??
広い地所 スパイ／執行官, William Pasquali, replies:?Navigating the waters of selling a 所有物／資産／財産 with tenants in place ca n be a コンビナート／複合体 過程.?
If you choose to sell with 空いている 所有／入手, 投資するing a bit of time and money to smarten the 所有物／資産／財産 up for sale is a wise move.?
We also often 示唆する 事実上の 行う／開催する／段階ing ? it's a small cost, from as little as £40 - and is very 効果的な. It 作品 特に 井戸／弁護士席 for flats, and helps 見込みのある 買い手s picture themselves living in the 所有物／資産／財産.?
広い地所 スパイ／執行官 advice: William Pasquali, associate director at Hamptons says that if you decide to sell with your tenants in situ, it's 必須の to 持続する a good 関係
It's the perfect 解答 for an empty, furniture-いっそう少なく 所有物／資産／財産 that can 結局最後にはーなる looking やめる soulless and uninviting. 事実上の 行う／開催する／段階ing will at least help the 所有物／資産／財産 look at its best online and on all the marketing 構成要素s.
If you decide to sell with your tenants in situ, it's 必須の to 持続する a good 関係.?
申し込む／申し出ing a rent 削減 for their inconvenience and arranging 始める，決める times and days for viewings can make the 過程 smoother.?
その上に, arranging a cleaner for your tenants can 利益 them and also 確実にする that your 所有物／資産／財産 is looking its best ahead of viewings.?
Try to 避ける a 状況／情勢 where your tenants are moving out and you're marketing the 所有物／資産／財産 to sell - boxes strewn everywhere is not a good look.
贈呈 支払う／賃金s: Arranging a cleaner for your tenants can 利益 them and also 確実にする that your 所有物／資産／財産 is looking its best ahead of viewings
In the past, sitting tenants may have been an enticing proposition for buy-to-let 投資家s, 申し込む／申し出ing them 即座の income and saving them time searching for tenants. However, there are very few buy-to-let 投資家s in the market and this is an important factor to consider.?
準備するing your 所有物／資産／財産 for sale to 的 an owner occupier might be a more 効果的な 戦略.
>?More landlords selling 所有物／資産／財産s than buying as mortgage arrears DOUBLE?
Mortgage 仲買人, Howard 徴収する, 追加するs: Depending on your 的 market for the sale of the 所有物／資産／財産s, the market rent should give you a steer as to the best 選択.?
If your tenants have been 支払う／賃金ing いっそう少なく than the going 率 - 予定 to 存在 there for a long period of time, for example - then any 投資家 購入（する）ing might not want to keep them in the 所有物／資産／財産 so would prefer 空いている 所有／入手.?
Also, any 未来 投資家 will look at the rent 達成するd when working out 産する／生じるs and returns and could 申し込む／申し出 a lower 購入（する） 人物／姿／数字 if the rent is comparatively low.
Howa rd 徴収する, director of buy-to-let lending at mortgage 仲買人 SPF 私的な （弁護士の）依頼人s 示唆するs the best selling price will likely be 達成するd after the tenants have vacated
The final consideration is how amenable your tenants are and the 明言する／公表する of the 所有物／資産／財産.?
To get the highest 購入（する） price, you would want the 所有物／資産／財産s to look their best.?
This would most likely be 達成するd after the tenants have vacated and you have given it a fresh lick of paint and 演説（する）／住所d any obvious 問題／発行するs.?
With this in mind, thinking of the 所有物／資産／財産s 分かれて might also be best.?
You could sell one first and the other later on, giving you at least one income while you go through the sale 過程 on the first home.?
The advantage of having the 所有物／資産／財産s empty is that 接近 would be much easier and more 即座の for each 見解（をとる）ing, so hopefully any sale can 進歩 quickly rather than trying to encourage tenants to move out after you have agreed an 申し込む／申し出.
When should they serve notice on the tenants??
Letting スパイ／執行官, Katinka Hill, replies: If you decide to serve notice on the tenants ーするために start sales viewings, we recommend giving your tenants as much notice as possible.?
Notice:?Katinka Hill, 地域の lettings director at Chestertons, says that tenants will need to be given 24 hours' notice for each 見解（をとる）ing
If they have to move out, they would 要求する 適する time to find a new home and would undoubtedly 高く評価する／（相場などが）上がる 存在 知らせるd as 早期に as possible.
If you think there is a chance you won't go ahead with the sales, for example if you don't get the asking price you were hoping for, you could ask your 所有物／資産／財産 経営者／支配人 or スパイ／執行官, if you have one, to speak to the tenant and explain that there could be a chance they might be able to stay at the 所有物／資産／財産 depending on how the sales viewings go.?
One 選択 could be to serve three months' notice and use the first month to 観察する how much 利益／興味 there is from 可能性のある 買い手s.
An important factor during the sale of your 所有物／資産／財産 is that the tenants 許す 接近 with 24 hours' notice for viewings, the 所有物／資産／財産 is 井戸／弁護士席 現在のd and that there is a 空いている 所有／入手 when the sale 完全にするs.?
There is a 危険 that the tenant won't leave, but this only happens in the 少数，小数派 of 事例／患者s.?
In 状況／情勢s where there is a good tenant and landlord 関係 with an upfront conversation, the 状況／情勢 should be いっそう少なく stressful for everyone 伴う／関わるd.
What else should the landlord consider before selling?
Howard 徴収する 追加するs:?Without knowing the 正確な num bers it is difficult to be too 明確な／細部, but as a starting point it is 価値（がある） speaking to your accountant about the タイミングs of any sale.?
資本／首都 伸び（る）s 税金 might be incurred, and タイミング the sales across two different 税金 years might be an 選択.?
For example, selling one 所有物／資産／財産 this 税金 year and the other in the に引き続いて 税金 year could 最終的に save you thousands of 続けざまに猛撃するs, and be a better 解答 given the tenancy 満期 タイミングs.
You could also consider refinancing using base-率 tracker mortgages with no 早期に redemption 告発（する），告訴（する）／料金s if there is a 可能性 that you might not sell.?
It gives you the 選択 to also keep the 所有物／資産／財産s, if 率s 落ちる, for example, or the 所有物／資産／財産s don't sell.?
Of course, with a tracker there is also the 危険 that 率s may go up 同様に, which you need to 耐える in mind.
Soulless: An empty, furniture-いっそう少なく 所有物／資産／財産 that can 結局最後にはーなる looking uninviting
Katinka Hill 追加するs: Although you appear to have decided to sell, it might be 価値（がある） getting an up to date letting valuation to 決定する if the rent could cover your 増加するd costs.?
This would 許す you to 持つ／拘留する on to your 資産s whilst the 現在の tenants won't be 要求するd to move out.?
If you feel that this isn't an 選択, you could consider a 法人組織の／企業の short-let tenant or renting to a tenant who is renovating their home and therefore needs short-称する，呼ぶ／期間／用語 accommodation.?
These 手はず／準備 tend to 命令（する） higher rents, which could cover your 増加するd costs.
