A clearer route forward
Facing repossession or mortgage arrears
If mortgage arrears or a lender deadline is weighing on you, speaking early can help you understand the choices without adding pressure. We can explain what a property sale might involve and where independent debt advice may help.
Practical support
How we can help
The right route depends on the property and what matters most to you. We will explain the practical choices clearly.
Start with your timeline: arrears, letters, possession dates and what needs attention first.
Consider whether a direct cash purchase could reduce chain and marketing delays.
Understand how lender contact, redemption figures and legal work fit into a sale.
Stay in control of the decision; a conversation does not commit you to selling.
The usual process
What usually happens
Every sale has its own details, but this is the plain-English shape of a direct property conversation.
Tell us what is happening
Share the property details and any dates that matter. We listen first and do not ask you to make a decision on the call.
Review the routes
We assess the property individually and explain a direct sale alongside open-market or assisted routes. A qualified, independent debt adviser may also be useful.
Choose a workable timetable
If you choose to proceed, legal work starts after the offer and checks. Completion may be as little as 7 days, or longer, depending on the title, lender information and your circumstances.
Keep informed through completion
Your solicitor handles the legal steps and any mortgage redemption. Ask your lender and solicitor what applies to your situation.
A transparent starting point
How the offer is worked out
A direct cash sale is a different route from selling on the open market, so the price and the trade-offs should be clear from the start.
Offers are often around 85% of market value as a guide, although every property is assessed individually. A cash sale is typically below full open-market value because the buyer takes on speed, certainty, no estate agent fees, no legal costs for the seller and no chain risk.
The comparison matters
The open market may achieve a higher price, but normally takes longer and can involve a chain, commission and other costs. We will set out the difference so you can weigh up what matters to you.
Routes to consider
Options that may suit you
There is no single best route for every seller. We can talk through the options and help you decide what deserves a closer look.
Cash purchase
A direct route where speed and fewer chain dependencies matter.
Assisted sale
More support with the sale process if you can allow more time to aim for a stronger market price.
Flexible sale
Agree a timetable that gives you room to organise your next step.
Questions, answered
Frequently asked questions
If you are unsure what applies to you, start here. We can also talk through the details in confidence.
Can selling my home stop repossession?
A sale may help resolve mortgage arrears, but the outcome depends on your lender, the figures involved and the timing. Speak to your lender and an independent debt adviser as early as possible.
How quickly could a sale complete?
A direct sale can sometimes complete in as little as 7 days once legal checks are ready. The actual timescale depends on the property, lender information and your solicitor.
Will you contact my lender for me?
We can explain what information is usually needed, but you should keep communicating with your lender and take independent advice about your financial position.
Do I have to accept an offer?
No. We explain the offer and the alternatives so you can decide whether the route is right for you.
Keep exploring
More situations, more context
Take the next step
Get My Options
Share your postcode and we will start with a clear, no-obligation conversation. You can also call 07359 035414 / 01274 070120 or email info@webuyhomes24.com.