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
The risk of property repossession can cause profound emotional distress. But you have options. We can coordinate with your mortgage lender to swiftly sell your house before repossession – helping you to reclaim your future.
5.0 / 16 reviews
We’re the only quick sale company that lets you exchange your property within 24 hours with a £1,000 deposit – giving you the breathing space and flexibility to sell a house with arrears on your own terms.
We help UK homeowners in mortgage arrears sell their property swiftly and with minimal stress. Our goal is fully aligned with yours – sell before the bank steps in. What’s more, unlike other quick sale companies, we guarantee we won’t lower our final offer. Whether you’re weeks or even days away from repossession, we can still coordinate with your mortgage lender to confirm we’re buying your property. And with our network of the UK’s fastest cash buyers, you won’t be kept waiting. Here’s how our property repossession solution works:
Step 1
Complete our form or contact us at 0204 578 2156. We’ll ask you to share some key details about the property which we’ll send to our valuation team.
We guarantee we’ll offer on any property in any condition.
Step 2
We’ll share a free, no-obligation offer-in-principle within 24 hours. Typically, this is 20% under market value. (Beware cash buyers that offer higher, as their offers are often too good to be true.) If you accept, we’ll visit the property to assess its condition and location before sharing our fair and final offer. (Watch out for quick sale companies that use surveyor reports to drastically lower their final offers.)
We guarantee we will not slash or lower our final offer.
Step 3
We cover all solicitor fees. If requested, we can help you choose an SRA-accredited solicitor – one who is an expert at navigating the legal requirements of selling property before repossession. We’ll work alongside your solicitor to coordinate with your mortgage lender and ensure you sell before repossession.
You don’t have to worry about legal costs or paperwork.
Step 4
When it comes to selling a house before repossession, we know our client’s topmost priority is often speed. Which is why we can exchange and complete when you’re ready. You don’t have to worry about the presentation of your property or carrying out costly repairs.
You can exchange in 24 hours and receive payment in 7 days.
Many homeowners across the UK find themselves in arrears due to sudden life changes such as illness, job loss, divorce, and rising interest rates. Their best option is a quick sale company. Unfortunately, since the industry is unregulated, many quick sale companies prey on such people who are going through difficult times by gazundering them – making an attractive offer close to or over the market value, and drastically lowering this offer at the least convenient and most stressful time. Or they learn of the repossession date and then drag matters to the last second till there is no other choice but to go with them – even if they drastically lower their offer.
We believe in a better, fairer way.
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.
We understand the stigma that comes with the risk of property repossession. But don’t let that hold you back from exploring your options. We’re here to help – with our fast and fair service, you can sell your house before repossession and move on to better times.
5.0 / 16 reviews
Yes. We have had quite a few clients in similar situations approach us, and we have helped them swiftly sell their property before matters escalated between them and their mortgage lenders.
Yes, we will still make an offer. If you accept our offer, then we will coordinate with your mortgage lender to confirm we are buying your property. However, please bear in mind that the longer you leave this decision, the more challenging and urgent it becomes.
There are repossession solutions out there, and one of them is using a quick sale company. However, we caution you to be careful when approaching quick sale companies, as many resort to unscrupulous practices like making attractive offers close to or above market value, which they lower at the last and least convenient moment. With Instant Home Offers, you are guaranteed a fixed final offer that will never be lowered. We’ll help you clear your arrears and avoid court proceedings.
Yes – in many cases, we can exchange contracts within 24 hours to help you sell your house before repossession. If your solicitor provides a complete seller’s pack (including property information forms, title details, and AML/KYC checks), we can move immediately and coordinate with our network of the UK’s fastest house buyers. This speed means we can often stop property repossession before it progresses further. For sellers who aren’t under time pressure, we can follow a standard 10% deposit process and a more relaxed timeline.
No – our final offer is guaranteed. When you choose to sell your house before repossession with Instant Home Offers, the price we agree on will not be lowered later. The only exception is if we identify a way to reduce costs (for example, fewer repairs needed), in which case we may increase our offer. Our focus is on transparency, not last-minute cuts.
No, you don’t need to fix or spend anything. We know how time-sensitive these situations are, which is why we buy houses with arrears or those under threat of repossession as-is. Whether your home needs work or is mortgage-restricted, we’ll handle it all. By selling before repossession, you can avoid additional costs, late payment charges, and the stress of trying to repair under pressure.
Our SRA-accredited solicitors work closely with your lender and your solicitor to complete the sale quickly and legally. We’ll prepare the contracts, manage all AML/KYC checks, and agree on a completion date that gives you enough time to settle any arrears. Because the sale becomes legally binding once contracts are exchanged, it provides immediate protection against repossession.