Selling your house before repossession
You can still sell. Being behind on your mortgage doesn't take that right away, and selling yourself almost always leaves you better off than letting the lender repossess. Most sales complete in 7 to 28 days, and if there is a hearing date we will tell you honestly whether we can beat it.
This guide covers what you can do now: your right to sell, the Pre-Action Protocol, the Mortgage Charter, what each route really pays you, and where to get free advice first.
Quick answer: You can sell your home at any point before the lender completes the repossession. A fast sale is often the cleanest way to clear the arrears and keep the equity you have left. A cash sale can complete in 7 to 28 days. The fastest we have done is 7 days, which is usually quick enough to beat an eviction date.
Three steps, and you'll know exactly where you stand
No listing, no viewings, and nothing that ties you in while you decide.
Step 1
Tell us where you are with itFill in the form at the bottom of this page. If there's a court date or a bailiff date in the diary, put it in. It's the most useful thing you can tell us.
Step 2
Get your offer the same dayIn writing, valid for 14 days. Our best offer, first time, based on the property and on what you've told us. There's no obligation to take it.
Step 3
We complete around your dateWe work with your solicitor and your lender's redemption figure, so the mortgage and arrears clear on completion day. Most sales complete in 7 to 28 days, and the fastest we've done is 7.
Free advice first: before you decide anything else
Make one free phone call before you do anything else. The services below are independent. None of them earns a penny from recommending us or any other buyer. Ring before you sign anything, anywhere.
- StepChange Debt Charity, free debt advice on 0800 138 1111 (Mon-Fri 8am-8pm, Sat 8am-4pm). They handle mortgage arrears every day and can talk you through Mortgage Charter forbearance options.
- Shelter England, housing legal advice on 0808 800 4444 (8am-8pm weekdays, 9am-5pm weekends). Specialist help for repossession risk and homelessness prevention.
- Citizens Advice. Adviceline 0800 144 8848. Local hubs in Sheffield (Howden House, 1 Union Street), Doncaster (Priory Place), Rotherham (Cardamom House, Wellgate) and Barnsley (6 Regent Street).
- MoneyHelper, the government-backed Money & Pensions Service. 0800 138 7777. Mortgage arrears action plan and free pension/debt guidance.
- HLPAS. Legal Aid for housing possession. Many homeowners qualify for free legal representation through the Housing Loss Prevention Advice Service. Ask Citizens Advice or your local county court office for a provider.
If a cash sale ends up being right for your situation, we'll still be here. But exhaust the free help first. That is the right order, and any buyer who pressures you out of that order is signalling a problem.
Yes, you can sell while in arrears, your legal position
Your mortgage doesn't stop you selling. You stay the legal owner until the lender gets a possession order, takes possession, and uses its power of sale under section 101 of the Law of Property Act 1925. Until that moment you can sell, even with a court date in the diary. The mortgage gets paid off out of the sale money on completion day.
You aren't selling behind your lender's back. They're paid in full, or as agreed, on the same day, and the debt is cleared. Most lenders would far rather you sold than fight you in court. They get more money back and spend less doing it.
This page is for the homeowner who is several months in arrears but hasn't had a court claim yet. If a court letter has already arrived, read our guide on how to stop house repossession in South Yorkshire instead. That one covers the court stage and suspended possession orders.
Why selling earlier almost always nets more than letting the bank repossess
Not sure where you stand?
Tell us about the property and we'll come back the same day with a written offer, valid for 14 days. No obligation, and no pressure either way.
Get my free cash offerSee your real number before you decide, mortgage payment calculator
Before you read the rest of this page, look at where you actually stand. Enter your outstanding loan, the rate you're on (or worried about going onto) and the years left. The calculator updates instantly and shows what happens if rates rise another 1% or 2% at your next renewal.
Mortgage payment calculator
Enter your loan, rate and term. Numbers update as you type. No data leaves your browser.
If your rate rises at renewal
Honestly, does that monthly figure work for your household?
Good, your buffer is real, but plan for renewal.
If the figure works today, plan for your next renewal. The Mortgage Charter lets you lock in a new rate up to six months before your current deal ends, with no penalty. If trouble does hit, the help on this page still applies. It's there for short shocks like illness, redundancy or divorce.
You're in the zone the Mortgage Charter was built for.
The Charter lets you switch to interest-only for six months, or stretch the term out to cut the monthly payment. Neither needs an affordability check and neither marks your credit file. Interest-only can cut a payment by about a third, which is usually enough to soak up a rate rise. If you've tried those and the sums still don't work, selling on your own terms while you still have equity and time beats waiting for a forced sale.
See what we'd offer for the houseYou're not alone, and the order of what to do next matters.
Start with two free calls: StepChange (0800 138 1111) and your lender's hardship team. Both are free, neither will judge you, and asking the lender for help is not a credit-file event under the Mortgage Charter. Lenders have legal duties to try forbearance, term extension and interest-only switches before any repossession step.
If you've had those conversations and it still can't be saved, selling on your own terms is almost always better than waiting for the court. You keep control while you still have time and equity. We don't charge fees and we don't pressure anyone. We can give you a written offer the same day, so you know what's on the table.
Get a no-obligation cash offerFor illustration only, not financial advice. Your actual payment depends on your lender's product terms, any product fees, and any arrears already on the account. Get personalised free advice from StepChange or MoneyHelper.
Where you stand with your lender: MCOB 13, the Mortgage Charter, and AVS
Want a real figure rather than an estimate?
Two minutes on the form is enough. We price on the property itself, not to a set percentage, and it's our best offer first time.
See what we'd payHow much time you actually have
You almost certainly have longer than you think. Once a lender starts a court claim, it still takes about eleven months on average to reach an actual eviction, on Ministry of Justice figures. And most people who fall behind never get repossessed at all. UK Finance numbers show repossessions are a tiny fraction of the households in arrears.
Months 0-2
Arrears letters, and the MCOB 13.3 forbearance conversation with your lender. This is where the Mortgage Charter options open up.
Months 2-4
Formal default notice and warning letters. Your lender has to set out the arrears clearly, consider any sensible offer, and give you time to reply before going to court.
Months 4-6
If there's no agreement the lender prepares a possession claim. Most voluntary sales happen here, and it's the easiest point to sell. Waiting adds to what you owe.
Months 5-7
The claim is issued at the relevant county court on Form N5, with a court fee of £355. The hearing is typically listed about 8 weeks out.
Months 7-10
The hearing itself. The court can grant outright possession, suspend it on terms you can afford, or adjourn.
Months 10-14 and beyond
If possession is granted outright a short compliance window runs, otherwise suspended terms apply. You can still sell right up to eviction, so this is months rather than days.
What the court can do for you if you choose to stay and fight
Selling isn't your only option. If you can genuinely afford to keep the home, section 36 of the Administration of Justice Act 1970 lets the county court pause or postpone possession. The test is whether you're likely to clear the arrears within a reasonable period. In Cheltenham & Gloucester Building Society v Norgan [1996] 1 WLR 343 the Court of Appeal held that a reasonable period can be the whole rest of the mortgage term. So courts often grant a suspended possession order: you pay the normal monthly amount, plus a bit towards the arrears.
That's the right answer if your money trouble was temporary and you can show the court you can afford the payments now. It's the wrong answer if the sums simply don't add up. Our guide on how to stop house repossession in South Yorkshire covers the section 36 and Norgan route in full, including how to prepare a defence and what HLPAS (Legal Aid for housing possession) pays for. If a court letter has arrived, read that page next.
What the two routes actually involve
The open market route has seven places it can stall. Ours has two parties in it.
A chain sale
- Your buyer applies for a mortgage, which the lender can still withdraw
- The lender sends a surveyor, who can down-value or flag the condition
- Searches come back and can raise something nobody expected
- Enquiries go back and forth between four sets of solicitors
- Your buyer's own sale has to hold together
- So does their buyer's sale, and so on up the chain
- Everyone has to be ready to exchange on the same day
Selling to us
- No mortgage application, because we buy with our own funds
- No lender's surveyor, so condition can't be used to renegotiate
- No onward chain, because we aren't selling anything to buy yours
- Your solicitor still does the searches and the legal work properly
- You pick the completion date, and we work to it
That's why this route runs in weeks rather than months. The legal work still happens, the things that break sales don't.
The four routes compared: what each one really costs you
Estate agent
Usually the highest price, but about five months from listing to completion round here, and you pay the agent's fee and the legal work on top. Close to a third of agent sales fall through. The right route if you have six months and the house shows well.
Modern method auction
Four to six weeks, and most lots do sell, but read the fees before you compare the hammer price with anything else. The buyer pays a non-refundable reservation fee on top, commonly around 5% plus VAT, and a buyer only has one budget, so the hammer price drops by roughly the same amount. Your own auction and legal fees then come off that lower figure.
Let the lender repossess
A forced-sale price with all the lender's costs taken off the top, a mark on your credit file for six years, and a shortfall they can chase for 12 years. Almost always the worst of the four.
Sell to us
A price below market value, set on the property itself rather than on a formula, so we won't put a percentage on it before we've spoken to you. Our best offer, first time, in writing and valid for 14 days. Most sales complete in 7 to 28 days, the fastest we've done is 7, there's no agent fee, and we can cover your legal fees if you use our panel solicitor. There's a useful phrase for this from Buttle v Saunders [1950] 2 All ER 193: the duty is to get the best price reasonably obtainable in the circumstances. When the alternative is a forced sale with every cost taken off the top, that is what a controlled cash sale at a fair below-market price is, and if family tell you you're giving the house away, that's your answer.
Working to a deadline?
Tell us the date. Most sales complete in 7 to 28 days, and if we can't work to your timescale we'll say so straight away.
Talk to us todayWhat if you are in negative equity?
Negative equity changes the sums, not the answer. If the house is worth £160,000 and you owe £179,000 with arrears, you're £19,000 short before any costs. Selling doesn't make that go away. What it does is stop the hole getting deeper. You avoid the lender's costs and the forced-sale discount that would otherwise be piled onto your debt. You open the door to a write-off, because lenders often accept a reduced full-and-final payment on what's left after a controlled sale. And you avoid the repossession mark, which is the worst thing a mortgage can leave on a credit file.
The way it's done is an AVS, or shortfall sale. Your lender agrees in writing to release the charge for less than the full amount owed, because a controlled sale gets them more than the alternative. They'll usually want an independent valuation (RICS Red Book) or two estate agent appraisals, evidence the house was properly marketed, and confirmation from a solicitor that the buyer isn't related to you. Sales at an undervalue can be challenged under sections 339 and 423 of the Insolvency Act 1986. So a genuine open-market sale at a fair below-market price is safe ground. A quiet sale to a relative isn't.
For deeper context on the negative equity picture, see our blog guides on selling a house in negative equity in the UK and how to get out of negative equity without selling.
Verifying any cash buyer, and the FCA sale-and-rent-back warning
FCA warning, sale-and-rent-back. If any buyer promises to purchase your home and then let you stay as a tenant, this is a fully FCA-regulated activity since 2010. Only a small number of firms hold authorisation; unauthorised offering is a criminal offence; the FCA's 2012 thematic review found systemic failures even in authorised firms. South Yorkshire Property Buyers doesn't offer sale-and-rent-back in any form. If a buyer is pitching you this without showing current FCA authorisation, walk away and report them to the FCA and Action Fraud.
The cash-buying trade has a reputation problem, and a minority of firms have earned it. The usual tricks are dropping the price just before exchange, tying you up with an option fee, faking proof of funds, and pushing you to use only their solicitor. Action Fraud, Citizens Advice, BBC Money Box, Which? and MoneySavingExpert have all reported on it. Here are the checks we'd like you to run on us, or on any cash buyer:
- Companies House check. find-and-update.company-information.service.gov.uk. Search the buyer’s exact company name. Confirm incorporation date, filed accounts, named directors, registered address. Walk away from any firm incorporated less than 12 months ago with no filings.
- Solicitor proof-of-funds letter. On the buyer's solicitor's letterhead, dated within 14 days, confirming cleared funds in client account at or above the offer. Bank screenshots aren't equivalent.
- The Property Ombudsman membership. Search current membership at tpos.co.uk. Property Buying Companies must be members under the TPO 6th edition Code (2024). Lapsed membership is a red flag.
- Three independent voices. Phone Citizens Advice (0800 144 8848), StepChange (0800 138 1111) and MoneyHelper (0800 138 7777). None of them has any reason to recommend or block any particular buyer.
- Your own solicitor. Non-negotiable. If a buyer suggests you "don't need your own solicitor", walk away. The SRA Code and CLC Conduct Rules both require independent representation for the seller.
- No upfront fees, ever. Legitimate cash buyers never charge sellers to receive an offer, reserve a price, or secure a purchase. Any upfront payment request is a hard stop.
On us: we are a small local team, we buy with our own funds rather than passing your details to anyone else, and you speak to the people who make the decision. AML registered, ICO registered, TPO member, professional indemnity and public liability insurance in place. We don't run review widgets we can't evidence. We don't pressure sellers to skip independent advice, and if anything on this page reads as if we are, please tell us so we can fix it.
South Yorkshire, what is specific to selling here
Houses here cost less than the national average, and that changes the sums. The gap in pounds between an agent sale and a cash sale is smaller than it would be down south. Meanwhile a repossession costs a lender roughly the same wherever the house is, so it swallows a bigger share of a South Yorkshire loan. That's why lenders round here are often keen on an assisted voluntary sale.
Where the possession hearings happen, borough by borough:
- Sheffield. Possession hearings are held at Sheffield Combined Court Centre, 50 West Bar, S3 8PH. Arrears cases cluster in Cathedral, Hillsborough and the S5, S6 and S9 postcodes.
- Doncaster. Doncaster County Court, 74 Waterdale, DN1 3BT. Mexborough, Conisbrough and Stainforth see the most arrears cases.
- Rotherham. Rotherham Magistrates' & County Court, The Statutes, Main Street, S60 1YW. Maltby, Dinnington, Wath and Swinton are the worst affected.
- Barnsley. Barnsley Law Courts, Westgate, S70 2HW. Cudworth, Royston and Wombwell are the worst affected.
All four South Yorkshire councils double your council tax once a home has stood empty for a year, and it climbs higher the longer it stays empty. On a typical band D house that's well over £2,000 a year, on top of standing utility charges and buildings insurance. It's a quiet but real reason to get a sale finished rather than let it drag.
For independent legal advice locally: Wake Smith Solicitors (Sheffield), Switalskis (Sheffield, Doncaster, Wakefield: housing law Legal Aid contract), Irwin Mitchell (Sheffield HQ), Atteys (Doncaster, Sheffield, Barnsley), Foys (Doncaster, Rotherham, Sheffield), Banner Jones (Chesterfield, Sheffield, Mansfield), Keebles, Bell & Buxton, Howells, Taylor & Emmet. Sheffield Citizens Advice runs from Howden House on Union Street; Sheffield Law Centre has a specific housing-law specialism. The Sheffield Combined Court Centre runs an HLPAS duty solicitor scheme for possession hearings.
When a cash sale is right for you, and when it isn't
Honestly framed. A cash sale is the right answer when:
- You have less than about three months before a court date, and an agent sale wouldn't complete in time.
- The property has condition issues: boiler, roof, damp, that would either fail an agent sale or drag the price down by more than the cash discount.
- You are in a chain that has just collapsed, or your buyer has dropped out, and the agent timeline is resetting from zero.
- You need certainty rather than the highest possible price: for example you have a job offer in another city, a new tenancy you need to sign, or a relationship breakdown that needs financial closure before a court date.
- The negative equity gap is small enough that an AVS at a fair below-market price closes it (or your lender will write off the residual after a controlled sale).
A cash sale is the wrong answer when:
- You can sustain the contractual payment, or could with a Mortgage Charter switch to interest-only for six months. Speak to StepChange or the lender's forbearance team first.
- You have six months or more. If a sale falling through wouldn't be a disaster, an agent will usually get you more.
- You genuinely want to keep the home and your underlying maths can be made to work via section 36 / Norgan. Read our repossession court guide and instruct an HLPAS-funded solicitor.
- The buyer is pressuring you to skip independent advice, drop your solicitor, or sign before you have heard from Citizens Advice or Shelter. Walk away.
Still weighing it up?
You don't have to decide anything to get a figure. Tell us about the property and we'll put our best offer in writing, valid for 14 days.
Get my free cash offerFrequently asked questions
Yes. Being behind doesn't take away your right to sell. You stay the legal owner until the lender gets a possession order and uses its power of sale under section 101 of the Law of Property Act 1925. At completion, the mortgage and the arrears are paid off out of the sale money and the lender's charge is released. If the sale won't raise enough to clear the debt, you need your lender's written consent. That's an assisted voluntary sale, or shortfall sale, and lenders usually agree to one rather than go to court.
No. As long as the full amount owed is paid at completion, the lender has no say in who buys. If there's a shortfall, they do have a fair interest in checking the price is a proper one, so expect them to want a RICS valuation or two estate agent appraisals and a record of the marketing. But they can't block a genuine open-market sale they have agreed to. MCOB 13 and the FCA's Borrowers in financial difficulty thematic review both say an assisted voluntary sale is an option lenders should consider before going for possession.
Months, not days. The Pre-Action Protocol for Mortgage Arrears makes your lender deal with you properly before it can issue a claim, including considering any sensible offer and the help set out in MCOB 13. From a first missed payment, most claims are issued around month five to seven. After that it still takes about eleven months on average to reach an eviction. The Mortgage Charter also means a lender that has signed it won't repossess for at least 12 months after your first missed payment.
In almost every case you end up better off selling. A forced sale fetches less than a normal one, and all the lender's legal, court, agent and auction costs come off your equity first. Any shortfall can be chased for up to 12 years under Limitation Act 1980 section 20. The repossession stays on your credit file for six years, which makes a future mortgage much harder and dearer to get. A voluntary sale to a cash buyer almost always leaves you with more, and it doesn't put a repossession on your file.
It depends on the property, which is why we won't put a percentage on it before we have spoken to you. A cash sale comes in below what a good agent sale would achieve, and we won't pretend otherwise. What narrows the gap is everything that comes off an agent price: the agent's fee, the legal work, the council tax and bills over the months you wait, and the interest and arrears charges building up the whole time. Against that, weigh the fact that close to a third of agent sales fall through. If yours collapses near a court date, you can end up repossessed, which is worse than either route.
Missed mortgage payments stay on your credit file for six years from the date they appear. But a sale that clears the mortgage doesn't put a repossession on your file, and neither does an assisted voluntary sale that settles the shortfall on agreed terms. That difference is real. A repossession makes it much harder to get a mortgage for six years, and it can affect other credit and even some private rentals. The earlier you act, the cleaner your file will be afterwards.
You'll need an assisted voluntary sale (AVS). Your lender agrees in writing to release the charge for less than the full amount owed, in exchange for you running a controlled sale. UK Finance guidance and the FCA both treat AVS as a better outcome for a lender than repossession where the sums are negative. Afterwards, lenders often accept a reduced full-and-final payment on what's left, rather than chase it for 12 years under Limitation Act 1980 section 20. Ring your lender's collections team and ask about AVS by name. They have a process for it.
Only with care, and at a proper price. Sales at an undervalue can be undone under Insolvency Act 1986 section 339 (transactions at undervalue, five-year lookback) and section 423 (transactions defrauding creditors). Lenders will usually want an independent RICS Red Book valuation or two estate agent appraisals, evidence of marketing, and a solicitor's confirmation of who the buyer is. A genuine arm's-length sale to a relative at a fair price is allowed. A cut-price family sale while you're in arrears can be challenged for years afterwards. Get independent legal advice before you go this way.
Yes, and it adds up fast. Lenders charge you for missed payments, for arrears letters, for sending someone round, and then for their solicitor, the court fee and a barrister if there's a hearing. Over a year of arrears that stack often adds £8,000 to £14,000 to what you have to pay to clear the mortgage. It all comes out of your equity, or gets added to the shortfall. Acting at month four rather than month nine usually saves you several thousand pounds.
Usually 7 to 28 days for a standard freehold sale with solicitors who reply promptly. Seven days is the fastest we have done, and everything has to be perfect for it: clean title, no chain, no leasehold enquiries, quick instructions. Treat it as the floor, not the norm. Leasehold flats in central Sheffield, S1, S2, S3 and S6, tend to add two to four weeks for lease enquiries. Houses in the old mining areas of Doncaster, Rotherham and Barnsley sometimes need a Coal Authority search, which adds a week or two. We give you a realistic timeline when we make the offer, not an optimistic one.
Be very careful. Sale-and-rent-back has been fully FCA-regulated since 2010. Only a handful of firms are authorised, and offering it without authorisation is a criminal offence. The FCA's 2012 review found serious failings even at authorised firms. South Yorkshire Property Buyers doesn't offer sale-and-rent-back in any form. Cold calls pitching it have been reported across S5, S9 and the Rotherham, Doncaster and Barnsley postcodes. If you get one, check the firm on the FCA register. If it isn't listed, report them to the FCA and Action Fraud.
Rather just ask us directly?
You don't need to read the rest. Send us the property details and we'll come back the same day with a written offer, valid for 14 days.
Get my free cash offerLocal Citizens Advice: Sheffield at Howden House, 1 Union Street, S1 2SH (Adviceline 0808 278 7820); Doncaster at Priory Place, DN1 1BN; Rotherham at Cardamom House, Wellgate; Barnsley at 6 Regent Street, S70 2EG. Sheffield Law Centre has a housing-law specialism. National helplines: Shelter England 0808 800 4444; StepChange 0800 138 1111; MoneyHelper 0800 138 7777; Citizens Advice Adviceline 0800 144 8848. If a court letter has already arrived, ask the court office about HLPAS (Legal Aid for housing possession). Many homeowners qualify.
No, you can usually still sell right up until the bailiffs take possession. A hearing date, or even a possession order, doesn't take your right to sell away. Tell your solicitor and your lender straight away that you have a buyer, because a sale that is close to completing is something the court can take into account. Ring Shelter free on 0808 800 4444 first. Every week you wait adds more interest and fees.
There is no board outside, no advert and no stream of strangers viewing your home. We deal with you directly, so there is nothing for neighbours to see. We can't promise that nobody ever finds out, and we wouldn't trust a buyer who did. What we can say is that a quiet sale you control is far less visible than a repossession, which leaves a mark on your credit file for six years.
It depends on what the house is worth and exactly what you owe today. Ring your lender and ask for a redemption figure, which is the full amount to clear the mortgage, the arrears and their charges. Take that off the sale price. We will put our offer in writing the same day and show you the sums plainly. If there is little or nothing left over, we will tell you that too.
Possibly, so please get advice before you sell anything. Councils can decide someone is intentionally homeless if they gave up a home they could have kept, and that affects what rehousing help you get. If you genuinely can't afford the mortgage, that is a strong reason and worth putting on record. Speak to Shelter on 0808 800 4444 or your council housing options team before you accept any offer from us.
No, we don't charge you a penny. No valuation fee, no admin fee, no estate agent commission and nothing to pay upfront. We can cover your legal fees if you use our panel solicitor. You are free to use your own solicitor instead, though you would then pay their bill yourself. The trade-off is the price. We buy below market value, and every property is priced individually on what it is and on what you tell us, so we don't put a percentage on it in advance. What you get for that is speed and certainty.
No, and you should walk away from any buyer who does. Our written offer stands for 14 days and we don't shave money off near completion to squeeze you. The one honest exception is if something genuinely new comes to light, such as a title problem or serious structural damage nobody knew about. If that happens we explain it in writing, and you are free to say no and walk away.
If you both own the house, you both have to sign, so one of you can't sell alone. A court can order a sale under section 14 of the Trusts of Land and Appointment of Trustees Act 1996. That takes months and costs money, and the arrears keep growing while you wait. Get legal advice quickly. It is often cheaper to agree how the money is split than to fight over the house.
Yes. We buy houses in any condition, including damp, no heating, an old kitchen, a leaking roof or subsidence. In fact we prefer places that need work. You don't need to repair, decorate, clear it out or clean up. Whatever we can see is already built into our offer, so we don't come back later and knock money off for the same problems.
Check us against the market before you say yes. Ask two local estate agents for a free valuation and look up what similar houses nearby actually sold for on the Land Registry. We price each property on its own facts rather than on a formula, so we won't put a percentage on it before we have spoken to you. The figure we give you is our best offer based on what you have told us, not a low opening bid we plan to creep up from. Hold it against those agent valuations and the sold prices, and if you have six months and the house shows well, an agent may well beat us.
Yes, the house is yours until the day it completes, then you hand over the keys. There are no viewings in the meantime. Completion usually takes 7 to 28 days, and the fastest we have done is 7 days. If you need longer to find somewhere to live, say so early and we can usually pick a date that suits you. Tell us at once if a bailiff date is already booked.
Yes, and it normally works in your favour. Your solicitor has to ask them for a redemption figure anyway, so they will find out. Most lenders would rather see a sale than go to court, because they recover more and spend less. Telling them early can encourage them to hold off while the sale goes through. Ask them to confirm anything they agree in writing, and keep the letter.
Question we haven't answered?
Put it on the form with your property details and we'll answer it straight, even if the answer is that a cash sale isn't right for you.
Ask us about your propertyGuides that might help right now
Court Letter About Your House: What Each One Means
Which letters are warnings, which start a claim, and how long you've actually got after each one.
Read guide →
Can You Sell Your House If You Have Mortgage Arrears?
The short answer is yes. How the arrears and the mortgage get cleared out of the sale money on completion day.
Read guide →
Sheffield Possession Claims: The Real Court Timeline
How long a claim really takes from the first letter to a hearing date, using the local court figures.
Read guide →Tell us where you are with it.
We buy with our own funds, so there's no lender, no survey and no chain. If holding on or talking to your lender is the better move for you, we'll say so.
Our promise to you: We will never pressure you into a sale. Your enquiry is completely confidential. If we make you an offer and it isn't right for you, there is absolutely no obligation to proceed.