Best downsizing 場所s 明らかにする／漏らすd: Over 65s can 打ち明ける £300,000 on 普通の／平均（する）

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The 普通の／平均（する） downsizer could 打ち明ける more than £300,000 by moving from a four bed to a two bedroom home, new 分析 by 所有物／資産／財産 会社／堅い Savills shows.?

It said there are 1.29million owner occupiers 老年の 65 and over across England and むちの跡s who live in four bedroom houses.

Were they to sell and buy a two bedroom 所有物／資産／財産, they could 推定する／予想する to be left with £305,090, に引き続いて the move.

Based on an 普通の／平均（する） life 見込み of 概略で 20 years, for those 老年の 65, Savills 見積（る）s the 普通の／平均（する） downsizer could then 供給する themselves with a 税金 解放する／自由な income of £1,218 a month for the 残り／休憩（する） of their life.

Where's best to downsize: The 普通の／平均（する） Londoner is able to 打ち明ける £2,500 per month by downsizing versus £826 in the North East

Lucian Cook, 長，率いる of 居住の 研究 at Savills said: 'Understandably, homeowners have 伝統的に been 気が進まない to downsize given their attachment to the former family home, but it is ますます commonplace for people to look at their home as a way of 補足（する）ing their 年金 準備／条項.

'Those approaching, or having already reached, 退職 age have been some of the biggest 受益者s of house price growth.?

'By moving to a 所有物／資産／財産 that better 控訴s their needs, downsizers, 特に those in high value 場所s - can give themselves 退職 基金ing a 重要な 上げる, 特に 決定的な in the 直面する of rising living costs.'

Of course, the major caveat with Savills 普通の／平均（する） downsizer income 査定／評価 is 場所, albeit there is a strong correlation between a longer life 見込み and higher value 住宅 markets.

A 65-year old downsizer in London can 推定する／予想する to 打ち明ける the most 公正，普通株主権 by downsizing, によれば Savills.?

On 普通の／平均（する）, a 65-year old Londoner moving from a four bed home, to a two bed home, can 打ち明ける £2,523 a month, followe d by those in the South East at £1,485 a month.

Those in the North East can 打ち明ける the least by downsizing, at £826 per month on 普通の／平均（する）.

Cash cow: Downsizing from a 4 bed to a 2 bed home in England and むちの跡s could 打ち明ける more than £300,000 on 普通の／平均（する） equating to an income of more than £1,200 per month on 普通の／平均（する）

'This 分析 lays 明らかにする the north-south divide when it comes to downsizing,' says Lucian Cook.

'Those who live in typically more 豊富な areas in London and the South East have the 選択 to use 住宅 公正，普通株主権 to make a meaningful 出資／貢献 to 退職 income, にもかかわらず typically having わずかに longer life 見込みs.?

'For those in the Midlands and the North there is far いっそう少なく to be 伸び（る）d by downsizing and they’re therefore likely to leave downsizing until later in life, if indeed they downsize at all.'

At a more 地元の level, the 10 地元の 当局 where the most 公正，普通株主権 can be 打ち明けるd are all in London, によれば Savills.?

This is にもかかわらず the fact that these 場所s have some of the highest life 見込みs in the country.

This is led by Westminster, where an 普通の／平均（する） £3.3million in total could be 打ち明けるd by the 普通の／平均（する） four bedroom homeowner downsizing to a two bed room 所有物／資産／財産 leaving them with a £12,420 income per month.?

Kensington and Chelsea downsizers could 打ち明ける on 普通の／平均（する） £2.9million by selling up and moving to the 普通の／平均（する） two bed. That would leave them with a £10,483 income each month until they die.?

The 普通の／平均（する） four bed downsizer in Camden could 打ち明ける £1.5million in total and live off £5,688 per month for the 残り／休憩（する） of their lives.?

Outside of London, downsizers in Elmbridge in the South East have the 可能性のある to 打ち明ける the most 税金 解放する／自由な income.

Moving from a four-bed to a two-bed there can 打ち明ける a total of 673,476 on 普通の／平均（する） resulting in £2,524 of 月毎の income.

So what's stopping people?

With such a big 財政上の incentive, one would think older people living in four bedroom homes would be mad not to cash in.

What's 持つ／拘留するing them 支援する financially? Most likely it's stamp 義務 followed by all the other costs associated with moving.

Savills says that while its 計算／見積りs 除外するd any 貯金 利益／興味 or 伸び（る）s from 投資するing the sales proceeds it also doesn't take into account 税金s such as stamp 義務 in England and Northern Ireland or 合法的な 料金s.

現在／一般に, stamp 義務 kicks in for house movers on 所有物／資産／財産 購入（する）s above £250,000, although this is 始める，決める to 落ちる? to £125,000 from April 2025.?

While someone moving to the 普通の／平均（する） two bed home costing £257,260 will only 直面する a stamp 義務 法案 of £363, in many areas across England it will 量 to much more.

This will also be true for movers in Scotland and むちの跡s, which have their own separate 処理／取引 税金s when buying 所有物／資産／財産 or land.

In England, for example, the 普通の／平均（する） two-bed in Westminster costs £1,586,725, によれば Savills. Someone downsizing here would therefore on 普通の／平均（する） 直面する a stamp 義務 法案 of £101,656.

Someone downsizing to the 普通の／平均（する） two-bed in Elmbridge in the South East of England where prices are?£468,543 will still be stung with a stamp 義務 法案 of almost £11,000.

Savills 分析 also doesn't take into account 広い地所 スパイ／執行官 料金s associated with selling a 所有物／資産／財産.

The 普通の／平均（する） high street 広い地所 スパイ／執行官 料金 is around 1.5 per cent of the final selling price. Although they can typically 範囲 between 1 and 3 per cent, not 含むing the 付加 20 per cent 付加価値税 they may be 要求するd to 支払う／賃金 on 最高の，を越す.

Someone selling the 普通の／平均（する） 4-bed home, 価値（がある） £562,350 によれば Savills, 支払う／賃金ing the 普通の／平均（する） 広い地所 スパイ／執行官 of 1.5 per cent 加える 付加価値税 (totalling 1.8 per cent) can 推定する／予想する to 支払う／賃金 more than £10,000 for the?特権 of doing so.? ?

However, there is more to it than just cash.?

Many over-65s will have lived in their home for much of their adult lives, and to move どこかよそで would 要求する a major 激変, both ーに関して／ーの点でs of physical and emotional baggage.

によれば 最近の 分析 by Zoopla, the 普通の／平均（する） homeowner over 65 has lived in their 所有物／資産／財産 for 26 years.?

It 設立する a ４半期/4分の1 of older people feel moving home would be 'too stressful' while emotional 関係 are also a 障壁 妨げるing more than one in five from moving.

There are also man y who will ーするつもりである to 持つ／拘留する on to their home ーするために pass it 負かす／撃墜する to family members.

Zoopla 設立する that a ４半期/4分の1 of people 計画（する） to remain in their home so their family can 相続する it - meaning their own children or grandchildren are いっそう少なく likely to have trouble finding a family-sized home in the 未来.