Weigh up your options first. If selling is right, we can help.
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Cash in 28 days
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A 60-second walkthrough of exactly what happens from your first call to cash in your account.
When money is tight, the equity in your home can look like the obvious answer. Sometimes it is. Often there are other routes worth exploring first, and a regulated adviser can set them out at no cost.
Citizens Advice Scotland, StepChange and the Money Advice Scotland network all give free, impartial debt advice. We are property buyers, not debt advisers, so this page explains the property side of the decision and nothing more.
Understand your equity firstSecured debts are settled at completionNo fees or upfront costsThe value of the property less everything secured on it is what a sale would actually release.
Your solicitor repays the mortgage and any secured loans directly from the proceeds.
There are no agent fees, and there is nothing to pay to get an assessment.
A known completion date makes it easier to talk to creditors about what happens next.
Nobody needs to know the property is being sold until you decide to tell them.
No repairs, redecoration or clearance costs to fund before the property can be sold.
Financial pressure builds gradually. These are the points at which people usually start looking at the house.
It depends on the numbers, and they are worth writing down before you decide anything.
Start with a realistic value for the property. Deduct the mortgage redemption figure, then any secured loans or charges registered against it, then the costs of selling. What is left is what a sale would actually release towards unsecured debts.
Unsecured debts such as credit cards and loans are not automatically cleared by selling. Whether the remaining funds resolve them depends on the totals, which is exactly the calculation a free debt adviser can help you work through.
Not always. Depending on your circumstances there may be alternatives worth exploring first, such as a payment arrangement with your lender, a term extension, a debt payment programme under the Debt Arrangement Scheme, or other statutory options in Scotland.
A regulated adviser can explain which of those apply to you and what each one means for your home and your credit file. If, after that, selling is still the right decision, we are happy to look at the property and give you a figure to weigh up against everything else.
Lenders can sometimes vary the term, switch the payment type or agree an arrangement to make the mortgage affordable again.
A regulated adviser can explain the Debt Arrangement Scheme and other statutory options in Scotland, at no cost to you.
Achieves the strongest price where there is time to market the property and it is in reasonable condition.
Certainty on price and date, with no fees. Expect a figure below open market value in exchange.
Work out what is really left after everything secured on the property is repaid.
Second charges and secured loans are repaid from the sale before you receive anything.
Ask your lender for a redemption figure rather than relying on the last statement.
Arrangements and statutory options may achieve the same result without selling.
Factor in legal costs, moving costs and where you will live afterwards.
Free, regulated debt advice should come before any decision to sell.
A direct sale is worth comparing where:
Get Your Free Cash OfferLocation, condition and the mortgage position. We do not ask for details of your debts.
We explain the figure, how the secured debts are settled and what you would be left with.
Take it away, compare it and take advice. There is no obligation and no pressure.
Cash offer within 24 hours
Uncertain time to find buyerComplete in as little as 28 daysCan take months/years to completeNo fees or commissionHigh agent fees and hidden costsPrivate & discreetPublic listing and marketingNo viewings requiredMultiple viewings requiredGuaranteed buyer with no fall throughChain breaks & buyer delays commonWe cover the legal costsYou pay the legal feesCover removal & storage costsYou pay your moving & storage costsHelp with urgent debtsNo help with debt or billsIt depends on your equity, your other options and your longer term plans. Speak to a free, regulated debt adviser such as Citizens Advice Scotland or StepChange before deciding. We cannot give debt advice.
Take a realistic property value, deduct the mortgage redemption figure and any secured loans, then deduct the costs of selling and moving. What is left is your equity.
Any loan secured against the property is repaid from the sale proceeds by your solicitor at completion, before you receive the balance.
It is redeemed in full at completion, including arrears and any charges the lender has added.
Yes. The arrears are settled from the proceeds. If the lender has started action, see our page on facing repossession.
Settling secured debts can stop further arrears being recorded, but the effect on your credit file depends on your wider circumstances. A regulated adviser can explain it properly.
Rated 5/5 by customers
We buy any house in Scotland, in any condition. Regulated Home Buying Company.
Rated 5/5 by customers
Rated 5/5 by customers
500+ Happy Home Sellers
I inherited a run-down house and Danny offered several ways to sell. I chose the cash offer and had a formal proposal the next day. The sale completed in under 3 weeks, giving me time to clear things. A smooth, fast experience I’d highly recommend.
We contacted Home Sales Fast for a cash offer on our property in Perth. While the cash offer wasn’t quite right, they guided us through their auction service and we sold for more than we hoped for. Completed in 28 days. Absolutely delighted
We sold our inherited property through HSF and the service was outstanding. Danny supported us every step of the way. Compared to estate agents, the whole thing felt so much easier and stress-free. Can’t thank them enough for their help.
Home Sales Fast did exactly what they said they would. The process was straightforward and reliable from start to finish, which made life a whole lot easier for us. Would highly recommend them to anyone needing a fast and stress-free sale.
How long you have at each stage of the Scottish repossession process.
Read moreHow a fast sale can clear the arrears before court.
Read moreEstimate the cash offer to expect and compare it with an estate agent sale.
Read moreEvery fee from Home Report to solicitor, with realistic figures.
Read moreFind out what Home Sales Fast could offer before deciding whether a sale works for your circumstances.
