Should you sell
your rental property?
Run the numbers first.
Score your exit readiness, estimate your CGT liability, calculate your net proceeds, and model your reinvestment options — before you speak to an agent or accountant.
Know your numbers before you decide
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Preview — what you'll get
What happens when landlords exit without a plan
CGT rate for higher-rate taxpayers on residential gains — many landlords significantly underestimate this
Lost through bad timing — tenancy status, protected periods, and tax year misalignment compound together
Missed in allowable deductions — improvement costs, legal fees on purchase, SDLT, and enhancement works
CGT is due on completion — no time to plan once you have accepted an offer and contracts are exchanged
Figures are illustrative. This planner gives you a working estimate — not financial advice. Verify all figures with a qualified advisor before proceeding.
How it works
From gut feeling to informed decision
Score your position
Answer 16 questions across four categories. The quiz weights your market conditions, personal circumstances, portfolio performance, and tax position — and gives you a scored verdict.
Run the numbers
Enter your figures. See your estimated CGT liability and net proceeds before you speak to an agent or accountant — so you go into those conversations informed.
Model your options
Compare what a clean exit nets against keeping and remortgaging or incorporating. Then download a full PDF summary to share with your advisor or keep on file.
What's included
Five tools. One clear picture.
Everything you need to evaluate a property exit — from the initial gut-check to the final net proceeds figure.
Should I Sell? Quiz
1616 weighted questions across market timing, personal circumstances, portfolio performance, and tax position. Returns a clear Sell / Hold / Wait score with reasoning.
CGT Estimator
1Enter purchase price, sale value, and allowable costs. Select your income tax rate and see your estimated CGT liability in real time — including the 2026 annual exempt amount.
Net Proceeds Calculator
1The full picture of what you walk away with — sale price minus agent fees, CGT, mortgage redemption, legal costs, and any outstanding expenses.
Timing Considerations
12Property-specific checklist covering current tenancy status, lease length, EPC rating, section 8 window, tax year timing, and market conditions — 12 factors in total.
Reinvestment Options
3Side-by-side comparison of keep & remortgage, sell & reinvest elsewhere, and incorporation — with a practical framework to identify which path suits your situation.
Why landlords use this
Make the call with numbers, not instinct
- Get a clear Sell / Hold / Wait score before committing to anything
- Estimate your CGT liability before speaking to an accountant
- Understand exactly what you will net after all costs are deducted
- Identify timing factors specific to each property in your portfolio
- Compare three reinvestment paths side by side in plain English
- Download a full PDF summary to share with your advisor or keep on file
"I'd been estimating my CGT bill for years without actually calculating it. Used this before speaking to my accountant — I was £18k out. Worth doing before you make any decision."
Portfolio landlord— 6 properties, Manchester
"The timing checklist stopped me rushing a sale. Two of my properties had tenancies in the protected period — I would have had a nightmare exit. Really well thought through."
Buy-to-let investor— Birmingham
"The reinvestment comparison was the bit I didn't know I needed. It showed clearly that in my situation, remortgaging and buying elsewhere made more sense than a clean exit."
Property investor— 9 properties, Leeds
Know your exit position before you need it
Run the numbers now — even if you are not planning to sell. Knowing your position changes how you manage the portfolio.
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