What is the most financially efficient way to use housing wealth in retirement: downsizing, renting out rooms, the Lease Buyback Scheme, or selling and relocating?

You need to leverage and rejuvenate your property portfolio throughout your working life; otherwise, you will likely be priced out of the market.

​

Downgrading is no longer a feasible option, as a newer, smaller home will often cost more than your older, larger one.

​

Renting out a spare room is a last resort to squeeze the remaining value out of your property.

​

Dont do Lease Buy Back, unless you are desperate for money, it a restrictive and low optionality exit path.

If you didn't play property during your prime, you don't have "housing wealth" to play with during retirement. Don't be delusional.