A free cash offer, a fixed figure to divide and a date you both agree.
Offer in 24 hours
One figure to divide
Cash in 28 days
Guaranteed Sale
A 60-second walkthrough of exactly what happens from your first call to cash in your account.
When a relationship ends, the house is usually the largest single asset and the hardest thing to unpick. An open market sale can drag the process out, keep both parties tied to a joint mortgage, and put a moving figure on something that both sides need to plan around.
This page sets out what usually happens to the house when a couple separates, what your options are, and when a direct sale may be worth considering.
One figure to divideA completion date you chooseNo viewingsBoth parties know exactly what the sale produces before committing to anything.
Line the sale up with legal timescales, a new tenancy or a mortgage application.
Nobody walks through the house while one or both of you are still living in it.
Ending the mortgage stops the affordability problems that can stall new borrowing.
We are used to dealing with separate legal representation on each side.
Nothing goes on a portal or a for sale board unless you choose to tell people.
These are the situations we hear about most from separating couples.
Where a property is jointly owned, both owners must agree before it can be sold. Both are also usually liable for the mortgage, regardless of who is living there or who is paying it.
How the proceeds are divided is part of the wider financial settlement between you, and that is a matter for your solicitors rather than for us. Our part is straightforward: what the property is worth to us and when we could complete.
Both parties should take their own independent legal advice before agreeing anything, particularly where children, occupancy or a matrimonial home interest are involved.
This is very common, and it usually creates two pressures at once: one household becomes two, while the mortgage and bills on the original property continue.
Selling ends that overlap on a known date. If one of you is still living in the property, a direct sale also avoids strangers viewing the house during an already difficult period. The person remaining in the property still needs somewhere to move to, so the completion date matters, and we can set it to suit.
Keeps the house in the family, but depends on the remaining owner being able to remortgage on their own income.
Usually achieves the strongest open market price where there is time, the house shows well and viewings are workable.
A defined timetable and a binding sale, but the final figure is uncertain and fees are deducted from the proceeds.
A fixed price and date that both sides can plan around, with no viewings, no chain and no agent fees.
Check who is named on the title. Both owners must agree to a sale.
Joint borrowers usually remain liable until the mortgage is repaid in full.
The sale cannot progress until both parties are agreed on selling.
How the proceeds are divided is decided between you and your solicitors.
Where the property is a family home, occupancy rights may affect timing.
Each party should be independently advised before committing to anything.
A direct sale suits some separations and not others. It is usually worth considering where:
Get Your Free Cash OfferIts location, condition and who is on the title. We do not need details of your settlement.
Both owners, and their advisers where appropriate, can see the proposed figure and date.
The solicitors handle the transfer. The wider financial arrangements stay between you and your advisers.
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 billsYes. The property can be sold at any point provided both owners agree. How the proceeds are held or divided is a matter for your solicitors.
If you are both on the title, yes. Both owners must consent before a sale can proceed.
The mortgage is repaid from the sale proceeds at completion, and the balance is dealt with according to your settlement.
That is often the first option to explore. It depends on the remaining owner being able to remortgage on their own, so speak to a broker or lender first.
Yes. We can work to a date that fits court timescales, a new tenancy or a mortgage application.
Yes. We can keep communication separate and deal with each solicitor independently.
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.
Estimate the cash offer to expect and compare it with an estate agent sale.
Read moreStage by stage timescales for a Scottish sale.
Read moreEvery fee from Home Report to solicitor, with realistic figures.
Read moreThe two routes compared on price, speed and certainty.
Read moreFind out what another selling option could look like, with no obligation on either side.
