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Issue Date:- 18 February 2008

SELLING TO RENT TREND REPORTED IN SLOWER MARKET, one of the UK’s leading property search portals, reports a trend identified by data compiled through their 6,800 member sales and letting agents around the country. Selling to rent has become more popular with buyers who are tentative about where the market is going and see the sell-to-rent option as an acceptable speculative alternative to being tied to a long-term investment.

Kevin Shaw, Sales Director at Haart says:- “When markets cool some people become anxious to lock in their gains and they decide to sell up and rent for a while.

The hope is that they will be able to re-enter the market at a later stage when prices are lower.  With the recent media speculation that the market is over-valued and prices have peaked we have seen a rise in this trend, especially over the past few months. 

We would, however, advise that it’s a high risk strategy and a difficult one to get right.” advises that the slowness of the property market can add to the process increasing complications. In a slow market, for example, it could take months to complete, and as the market drops buyers may try to negotiate discounts before exchange. This combined with any price rises on rental properties as the market brightens, could lead to lost savings, particularly if there is an extended rental period.

Michael O’Flynn, Content Editor of adds:- “If you plan to rent for more than a year there is no guarantee the landlord will renew your lease. The landlord may need the property back after a year or in a strong rental market demand a higher rent to renew. You may move three times making it an emotionally and financially stressing time.”

According to the information, any decision to sell and rent should be made on specific location data, not on broad house price indexes. In addition, for selling to rent to be a sound financial decision, individuals should be looking for a real return in excess of 15 to 20%.

Factors to take into account before selling to rent include:-

· Estate agents fees
· Solicitors fees
· Removal and storage fees
· Administration costs for rental agreement
· Lost capital repayment on mortgage
· Any penalties incurred by coming our of a fixed mortgage
· Payment of both mortgage and rent in the case of an overlap
· Stamp Duty

The following 2 models illustrate selling to rent costs given a 5%upturn and downturn in the market:-

Model A: Costs on Selling to Rent and Buying Later (5% market upturn)

Average property price: £230,000*
Estate agent fees (based on 2%): -£4,600
Solicitors fees: -£1,000
Removal and storage fees: -£1,000
Payment of both mortgage and rent in the case of an overlap: -£1,500

Stamp duty (based on 1%): -£2,300
Estimated tax on savings (presuming sale funds placed in savings) -£1,000
Estimated rental costs (per annum) -£12,000
Cost to repurchase property (based on 5% increase) -£11,500


Model B: Costs on Selling to Rent and Buying Later (5% market downturn)

Average property price: £230,000*
Estate agent fees (based on 2%): -£4,600
Solicitors fees: -£1,000
Removal and storage fees: -£1,000
Payment of both mortgage and rent in the case of an overlap: -£1,500

Stamp duty (based on 1%): -£2,300
Estimated tax on savings (presuming sale funds placed in savings) -£1,000
Estimated rental costs (per annum) -£12,000
Cost to repurchase property (based on 10% decrease) £11,500
Savings in Mortgage Costs (from a fall in property prices) £1,800
Interest on savings (presuming sales funds placed in savings) £1,000


Michael O’Flynn, comments:- “Based on the industry data we review and analyse, selling to rent is a costly and financially precarious proposition and one with debatable benefit, particularly with the personal upheaval involved.

The costs savings of selling to rent does not appear to justify the hassle of selling, renting and eventually buying again and our figures do not even take into account average penalties for exiting fixed mortgages, which could add thousands to selling costs.”


OR you’ll get no satisfaction, as the Filthy Food Company survey reveals that 49% of people in the North West wear them on the job. 

Romancing should be an excuse for long, slow pleasures- eating a sexy meal, sipping sparkling champagne and devouring chocolates, and then enjoying a lengthy session in the bedroom. But a new survey by the Filthy Food Company has found that Brits are having less sex than ever before due to stress, and that quickiesare on the up- because it’s all we have time for.  The average sex session in the North West lasts under 20 minutes, and it’s happening less than 6 times a month- even though the vast majority of couples surveyed wish it lasted longer.  Worst of all, almost 50% admit that sex is so speedy, they don’t even bother to take their socks off first, which is a major turn-off for 19% of partners in the North West. Despite that, the biggest bedroom no-no for seducing women is a pair of Y fronts (hated by 31%), while men are repelled by giant Bridget Jones knickers (22%). Other boudoir horrors include Grandad pyjamas (11%) football shirts (11%) and bras with tricky fastenings (5%).

But it’s not all over for de-sensitised Brits to wake up to the pleasures of taking our time, and savouring the moment- whether it’s with a divine Filthy Chocolate bite- chilled, crisp Belgian chocolate wrapped around a melting, decadent centre- or a long, slow sex session with your lover or perhaps both pleasures together?

“It doesn’t matter whether it’s an expertly crafted culinary treat, or the flamboyance of a decadent striptease- seduction is all about revelation,” says Kittie Klaw, of the Ministry of Burlesque. “Just when you think you know the score, the seducer leads you to a new path of sensation, excitement and joy in the moment.”  Kittie insists that the key is taking time to savour the experience.  “We may be analytical Brits, with our dry wit and hectic life styles, but it’s time lovers in the North West learned how to take hours to indulge ourselves and each other, sharing pleasure for its own sake.”


For Him:-

1. “Humour is sexy, Confidence is sexy – use them.

If you’re taking your clothes off slowly, it can be embarrassing- so be playful, tease her, and ham it up- it won’t be any less sexy to watch, and will put you at ease.

2. “Use Your Assets- if you have great arms, roll your sleeves up, then down, then back up a little… Great legs? Then use them."

Make the most of your best bits, by giving her a quick flash, followed by a slow reveal- and conceal, before removing your shirt or trousers.

3. “Use items such as spectacles or chocolate bites to play dexterously with- slide them in and out of your mouth.”

Have fun with accessories, and be as suggestive as you like, stroking them up and down your thigh.

4. “Socks off! Take them off before your reveal your legs – it’s a step by step reveal…”

Point your toes when peeling off a sock. It’s not a crisp packet to be crumpled. You rolled it on, so roll it off in a smooth motion! Get acrobatic with it if you can…!

For her:-

1. “Use lingering looks and body movements to seduce”
Lead with your eyes, arms and legs. Show him what you mean by your gestures- you shouldn’t have to say anything.

2. “Make the most of your heels”

Choose footwear that emphasizes your legs and frames your feet. Pick shoes which gives height and confidence- but make sure you can walk properly in high heels before using. Turn your feet out to emphasis the shape of your legs with every step.

3. “Peel off slowly”

When removing items such as gloves, remove them one finger at a time and then in one smooth motion over your extend arms and hands. You have elegant limbs and digits- draw attention to them!

4. “Take off your stockings”

When peeling off your stockings (never tights!) flash those stocking tops- it’s a tease as to where they lead to. Gently roll stockings down over the limbs to exaggerate length, pointing toes, again to emphasize your shapely legs. Peel the stretched out stocking off in one long movement.

Consider when eating food how sexy you can make it by being aware of every bite and lick! Filthy Chocolate Bites straight from the fridge offer pure sensual pleasure, with hard dark Belgian chocolate encasing a melting centre of Cheeky Chocolate, Seductive Strawberry & Cream, Kinky Crème Brulee, or Captivating Caramel.

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