Buying Your Rental from Your Landlord

If you daydream about buying your rental property from your landlord, here are some of the issues you need to consider.

Commitment

Owning a property is a long-term commitment. Unlike renting, you’ll be tied into a mortgage for many years to come.

Conversation

The decision to sell is entirely within the landlord’s discretion. The landlord may have a long-term buy-to-let strategy and want to keep the property.

Costs

You’ll need cash for the deposit and stamp duty, and to earn enough to cover monthly mortgage repayments. And don’t overlook maintenance and repair costs.

Compromise

Even if your landlord is open to selling, you still need to agree on a price. Your landlord will most likely want to have the property valued by a few estate agents to ensure they achieve market value.