01/10/2026
Trading a larger family home for a cosy bungalow seems like the perfect way to boost your retirement savings, but moving costs often swallow far more of that unlocked equity than you might expect. It isn’t simply about having fewer rooms to maintain, either; the emotional wrench of leaving familiar neighbours and the hidden traps of future accessibility make it a deeply complex decision. Before you call an estate agent, there is a vital calculation that far too many homeowners overlook.
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