Sell & Rent Back
Sell your Harrow property and continue living in it as a tenant. A specialist sell and rent back arrangement gives sellers immediate financial relief while avoiding the upheaval of moving — regulated by the FCA and only available through authorised firms.
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Up to 3 vetted property sale specialists will contact you within 24 hours
Sell & Rent Back: What You Need to Know
Sell and rent back (SARB) allows homeowners to sell their property and immediately enter a tenancy agreement, remaining in their home as a tenant. The arrangement provides immediate capital release without the disruption and cost of moving — a significant advantage for sellers in financial difficulty who are not ready or able to move.
SARB is regulated by the Financial Conduct Authority. All firms offering regulated SARB must be FCA-authorised, provide a minimum two-year tenancy, commission an independent RICS valuation, and allow a five-day cooling-off period after any agreement is signed. Unregulated arrangements exist but offer none of these protections.
SARB is not suitable for everyone and should only be considered after taking independent financial and legal advice. The sale price is typically 70-85% of market value and the rental costs represent an ongoing commitment. For sellers facing genuine financial difficulty with no other viable option, a properly structured SARB with a reputable FCA-authorised provider can provide meaningful stability.
Benefits of Sell & Rent Back
Remain in Your Home
Unlike any other sale route, SARB allows you to stay in the property as a tenant after selling. For sellers with strong local ties, children in nearby schools, or who are not ready to move, this is a material advantage over a conventional sale.
Immediate Capital Release
Completion typically occurs within four to eight weeks, releasing equity quickly. For sellers facing debt pressure, repossession risk, or other financial urgency, the speed of capital release is often the decisive factor.
Regulated Protections
FCA-regulated SARB provides a minimum two-year tenancy guarantee, independent valuation, a cooling-off period, and access to the Financial Ombudsman. These protections are legally enforceable — unlike unregulated arrangements which provide none.
Avoid Repossession
For sellers facing mortgage arrears and potential repossession, a completed SARB clears the mortgage and stops repossession proceedings. This protects the seller's credit record and avoids the additional costs and trauma of a court-ordered sale.
Find Sell & Rent Back Professionals
Specialists for sell & rent back covering 48 towns and areas.
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Is Sell & Rent Back Right for You?
Sell and rent back is the right route for:
- Homeowners facing mortgage arrears or repossession who need to clear their mortgage urgently
- Those experiencing serious financial difficulty who need to release equity immediately
- Sellers who need capital quickly but are not ready or willing to move from their home
- Those who have exhausted other options and need a solution that keeps them in their property short-term
- Older homeowners who wish to remain in a familiar environment while releasing property equity
Our matched specialists will review your property details and requirements, then provide a clear proposal before any work begins.
How the Process Works
Initial Assessment
A regulated SARB provider assesses your situation, explains the process and your rights, and advises whether SARB is appropriate for your circumstances. Independent financial advice is recommended at this stage.
Independent RICS Valuation
An independent RICS-registered surveyor values the property. The offer is based on this independent valuation — not the provider's own assessment. This is a regulatory requirement.
Offer and Cooling-Off Period
A formal written offer is made including the purchase price and proposed tenancy terms. A five-day cooling-off period applies — you can withdraw without penalty during this period.
Completion and Tenancy Start
Legal completion transfers ownership to the SARB provider. Your tenancy begins immediately — with a minimum two-year guarantee of your right to remain in the property at the agreed rent.
Sell & Rent Back Pricing Guide
Fees vary depending on the service and estate complexity. Below are typical costs from specialists in our network. All prices are in GBP.
| Service Type | Price Range |
|---|---|
Sell & Rent Back | £70 to £85 |
What's Included in the Fee
- No estate agent fees, no chain, guaranteed completion, free legal support in most cases
- Property valuation, marketing, photography, floorplan, viewings, negotiation, sale progression
- Rightmove and Zoopla listing, professional photography, floorplan, for-sale board, offer management
- Auction listing, legal pack preparation, auctioneer marketing, bidding management, guaranteed sale on the day
- Guaranteed purchase, minimum 2-year tenancy, independent RICS valuation, FCA-regulated process
- Guaranteed sale, chain-free purchase of new build, independent valuation, no estate agent fees
0% Finance Available
Estate agent fees are paid on completion — no upfront costs for the most common sale routes. Cash sale and auction routes typically involve no seller fees at all.
Sell & Rent Back FAQs
What Our Clients Say
“I needed to sell quickly after a divorce and couldn't face months on the market. The cash buyer they matched me with was professional, completed in 28 days, and the offer was far better than I expected. No estate agent fees either — it made a real difference.”
“I'd had my Pinner semi on with one agent for four months with barely any viewings. The agent they matched me with repriced it correctly, relaunched with better photos, and I had an offer accepted within three weeks. Should have switched sooner.”
“My property needed significant work and I knew a traditional sale would be difficult. Auction was the right route — competitive bidding pushed the price above my reserve and I had certainty of sale on the day. The whole process was explained clearly from the start.”