Free cash offer
Enter your postcode to get an immediate cash offer for your property
Free cash offer
Enter your postcode to get an immediate cash offer for your property
Struggling to sell an uninsurable house? Most lenders refuse to offer financing on homes with known structural issues or high flood risk. This eliminates the majority of conventional buyers.
We buy problem houses as is. There are no hidden fees, no lock-in contracts, and we won’t lower our final offer (unlike other quick sale companies). With us, you get a fast and fair service. You can even exchange in 24 hours for a guaranteed sale.
5.0 / 16 reviews
We’re the only quick sale company offering a way to secure your sale in just 24 hours with a £1,000 deposit, even when your property is uninsurable.
Dealing with an uninsurable or ‘problem’ property is one of the most frustrating experiences in the UK property market. If insurers have refused cover due to structural issues, flood risk, or non-standard construction, then the traditional market can be painfully slow and uncertain. Even when interest is secured, every sale attempt collapses as soon as a surveyor flags the risk.
What this looks like is fewer buyers, longer marketing periods, higher fall-through rates, pressure to carry out expensive works and huge price drops.
At Instant Home Offers, we specialise in solving the challenges the traditional market cannot face. We work with the UK’s fastest cash buyers and can purchase your property quickly, regardless of its condition, location, or insurance history. If you need a permanent, fast, and guaranteed solution to sell your uninsurable house – we offer the cleanest break possible.
Step 1
Complete our form or contact us at 0204 638 3301. Our valuation team will then review your property details. (You may be wondering if we use RICS surveyors. We don’t. And that is because quick sale companies often use their reports to drastically lower their offers. We assess the property based on a variety of factors including HM Land Registry and Rightmove sold data, market conditions, location and condition.)
We guarantee we’ll offer on any uninsurable house, in any condition.
Step 2
Within 24 hours we’ll share an offer-in-principle with you. This offer will be free. There are no lock-in contracts and you are under no obligation to accept it. Typically, our offer-in-principle will be 20% under market value. (Watch out for quick sale companies that offer closer to market value, as they are more likely to ‘gazunder’ or lower the value closer to exchange in an attempt to force you to accept their deal.) If you accept, we’ll visit the property to quickly assess its condition and location before sharing our final offer.
We guarantee we will not slash or lower our final offer.
Step 3
Once the final offer is accepted, we instruct solicitors and agree on a fixed completion date that suits you. You choose the timeline. Want to exchange tomorrow or need more time to organise a move? Not a problem. We adapt to your schedule – not the other way around. We pay your fees, the funds are transferred directly to your bank, and the sale is complete.
No repairs required. No legal costs.
An alternative option
We also offer another option – we can sell your uninsurable house at auction at no cost to you (unlike others who charge a 2% commission). Legal pack, photography and marketing are included free of charge. You have the choice of an accelerated timeline of 2 weeks, and you can set the reserve price and deadlines. With our auction services, you can reach a wider audience and get closer to market value.
We guarantee the auction winner will be legally bound to exchange.
We understand the frustration of owning an uninsurable property — and how quickly sales fall apart on the open market. Our service removes that uncertainty completely.
We also know we’re not the only quick sale company out there. What sets us apart is our word. Most quick sale companies make attractive offers – sometimes close to or above market value – which they drastically drop just before exchange when you have already made arrangements and least expect to be low-balled. We do not gazunder. We guarantee we will not lower our final offer.
As members of the National Association of Property Buyers, we’re registered with The Property Ombudsman and
Trading Standards, and follow a strict Code of Practice to treat our sellers fairly and with dignity.
Just because your property cannot be insured doesn’t mean you are stuck with it for life. We can help – our process is fast, fair, free. Sell your uninsurable house to us without any of the hassles that come from the traditional market. Take the first step towards a stress-free sale and move on with your life.
5.0 / 16 reviews
Yes. While most traditional buyers rely on insurance and mortgages, we work directly with a network of the UK’s fastest cash buyers. That means insurance is not required to complete the sale.
Properties become ‘uninsurable’ when lenders deem them too risky (for example, if they are at a high flood risk or if you’re trying to sell a house with subsidence or other structural issues). Since banks will not offer mortgages without insurance, this automatically limits the buyer pool to property cash buyers. We work with the UK’s fastest cash buyers and can proceed directly and quickly without needing any external finance or insurance policies. We also can sell your uninsurable property for free by auction (unlike other companies that charge a 2% commission).
Absolutely not. The biggest advantage of our service is that we buy the house as is, in its current condition. If your house has a history of subsidence, fire damage, or non-standard construction, we factor the necessary repair costs into our offer and take on the repair burden ourselves. You save tens of thousands of pounds and years of monitoring or repair time.
We move quickly. With us, you can opt for our exclusive fast-track exchange service that allows you to secure your sale in just 24 hours with a £1,000 deposit. The sale is legally binding, and completion takes place after the legal work is completed. For a freehold property, we can exchange in 1 day and complete within 7 days after you accept our offer. For a leasehold, we can exchange within 5 days and complete within 14 days after you accept our offer.
No. Once your final offer is agreed, it is guaranteed not to be reduced. We do not gazunder.
No. We cover all solicitor fees and only work with SRA-accredited firms.
Our valuation process is based on honesty and integrity. Our valuation team will assess the house’s current market value and the precise cost of repairs. We then provide a clear breakdown of how the final cash offer was calculated, ensuring you have a full, transparent understanding of the sale.