Select the description that most closely matches why you're selling. We'll route you to the right specialist and assess your property in under 3 minutes.
The buyer pays you over time — not the bank.
Instead of waiting for a buyer to secure a mortgage, the buyer pays you a deposit and then monthly instalments. You become the bank. The deal closes in weeks, not months — and you keep earning interest.
Pick the situation that fits
Each option routes to a specialist form. No commitment at this stage.
Need to sell fast — any reason
Relocation, job change, financial change of circumstance — whatever the reason, you need to sell quickly. Standard sales take months. We can find a cash buyer in weeks.
Inherited a property — need a clean exit
You've inherited a house or flat and need to sell it. Agents take months. We can find a buyer within weeks and close quickly — no repairs, no chain.
Divorce or separation — need to sell fast
The courts want the property sold. You need a quick, clean transaction so both parties can move on. No estate agents, no months of waiting.
Repossession looming — time is running out
The bank is circling. A mortgage sale in 6 months won't cut it. Vendor finance buyers close in weeks — you can stop the repossession before it happens.
Chain has collapsed — stuck between properties
Your buyer sold to someone else. You're paying two mortgages. We find a buyer who can move fast enough to let you complete your own purchase.
Passed at auction — still need to sell
Your property didn't meet its reserve. You're paying ongoing costs with no buyer. We have buyers who specifically look at unsold auction lots.
Moving abroad — need to close before you go
You're leaving the country and need to close the sale before you go. The traditional route takes 6–12 months. You don't have that time.
Cladding or fire safety issues (EWS1)
Your flat has a cladding or fire safety problem. Mortgage lenders won't touch it and estate agents won't list it. There are buyers who specifically look for exactly this.
Structural problems or significant defects
Movement, subsidence, cracking, damp — mortgage lenders see these as red flags. A structural engineer report helps but doesn't fix the lending problem. We have buyers who work with properties banks won't touch.
Japanese knotweed or contamination
You've got knotweed on or near the property, or contamination from previous use. Lenders require specialist reports — and then still often decline. A cash buyer won't need one.
Squatter or trespasser in the property
You've got an unauthorised occupant and the legal process to remove them is slow and costly. Selling to a cash buyer who takes the problem off your hands is often the fastest solution.
HMO or multi-let — lenders won't play
Your house in multiple occupation has multiple tenants and possibly multiple rental incomes. Standard mortgage lenders won't touch it. Vendor finance works differently.
Short lease — banks won't lend on it
The lease has dropped below 50 years. No mortgage lender will touch it. But vendor finance doesn't need a bank — and the clock is ticking.
Lease extension or freehold problem
Ground rent climbing, lease shortening, freeholder missing — your property is unsellable through estate agents. A direct buyer can work around it.
Title defects or missing documents
Missing deeds, rights of way, covenants, easements — title issues that make the property unsellable through a standard transaction. A direct buyer can negotiate around them.
Done with being a landlord
Tenants, maintenance, regulations — you're exhausted. But you can't afford to lose the monthly income. There may be a way out that keeps the cashflow.
Half-finished renovation — need a buyer who can finish it
Planning permission is in place, 80% complete, but the bridging loan is eating you alive. You need a buyer with the capital to finish what you started.
Planning potential — but lenders won't play ball
Your property has real conversion or change-of-use potential. But banks see the complication and won't lend. You need a buyer with vision and time.
Selling a whole property portfolio
You have multiple properties — residential, commercial, or mixed. Selling them one by one through agents takes months and costs a fortune. One buyer who can take the lot.
Inherited with siblings — can't agree on what to do
You've inherited a property with co-owners who all want out. Nobody lives nearby. A clean sale and split is the cleanest solution for everyone.
Home Reversion — sell your home, live there rent-free
You sell all or part of your home to a buyer in exchange for a lump sum or regular income. You keep the right to live there rent-free for life. The buyer takes ownership now.
Bridging loan running out — need a fast exit
Your bridging loan facility ends in weeks. A traditional sale won't complete in time. We work with specialist partners who can complete in the time you have left.
Asbestos or hazardous materials in the property
Your property contains asbestos, RAAC concrete, or other hazardous materials. Most buyers and lenders walk away. Our specialist partners are licensed to deal with these and pay fair value.
Ex-local authority or ex-council property
Your property is ex-council, has a historic s.125 or s.143 disposal covenant, or sits in a designated protected area. Standard buyers and lenders struggle. We route to specialists who handle these routinely.
Empty property costing you money every month
You've found somewhere smaller but your own sale is holding everything up. A vendor finance buyer can close quickly enough to let you proceed.
Equity Release — release cash, stay in your home
Homeowner looking to release equity from your property via a loan — paid back when the property is eventually sold. You retain full ownership while borrowing against its value.