I am stuck at the top of a chain ATM waiting on No.5 to be granted a mortgage. I can assure you that buying and selling is not for the faint hearted. I would love to stay in our cottage home which we bought, semi-derelict, 48 years ago. Over the years we refurbished and extended at little cost as DH was in the building industry (carpenter/joiner) and had many friends in the other trades, until we had a wonderful family home (at which point both DDs went off to Uni never to return permanently!)
Fast forward to now - I am a widow, poor, as DH's modest private pensions died with him, savings gone after paying care home fees for 2.5 years, house especially heating and kitchen, in need of total refurbishment, inside and outside walls needing painting, huge garden which for years supplied all our fruit and veg now totally overgrown/out of control. I cannot DIY or afford to do repairs or pay a gardener or other tradespeople.
For me the answer had to be to sell up and move to a modern, smaller, downstairs flat, communal garden, designated parking, in the same village. To my surprise the cottage sold easily to an early retired couple, with young grandchildren, desperate for a big garden and a 'do it upper.' The biggest surprise was that I have made a substantial profit from the downsizing, giving me a 'nest egg' for the first time ever. In addition the flat is 2 bands down for council tax, will be much cheaper to heat, insure, etc.
So sorry to be leaving our Family Home but needs must.