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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.
Mortgage arrears move on the lender's timetable, not yours. Once notices and court dates are involved, the options narrow, so knowing where you stand matters more than acting quickly on the first offer you see.
Before anything else, speak to your lender and to a free, independent adviser such as Citizens Advice Scotland, StepChange or Shelter Scotland. They can explain the process and the help available at no cost. We cannot give debt advice, and we would not want you to sell without having taken it.
Free independent advice comes firstYour options depend on the stageArrears settled at completionCitizens Advice Scotland, StepChange and Shelter Scotland can explain your rights and options at no cost.
What is realistic differs between early arrears and advanced court action, so tell us where things stand.
The mortgage, arrears and any secured loans are repaid directly from the sale proceeds.
Whatever is left after the secured debts are cleared goes to you.
With your written authority we can confirm a sale is progressing, which lenders often take into account.
There is nothing to pay to get an assessment, and no pressure to go ahead.
Wherever you are in the process, it helps to be clear about the stage you have reached.
That depends entirely on the stage the lender has reached. Broadly, the earlier you act, the more options you have.
We cannot promise that a sale will stop repossession action, and you should be careful of anyone who does. What we can do is be straight with you about whether a sale is realistic in your timescale.
When a property is sold, the mortgage and any secured loans are repaid from the proceeds by your solicitor. If there is money left over, it is yours.
If the property is worth less than the debt secured on it, that is a shortfall, and your lender must consent to the sale. Tell us the figures early and we will be honest about whether a sale can work, rather than letting you spend weeks on something that cannot complete.
Lenders must consider alternatives to repossession. A payment arrangement, term extension or payment holiday may be available.
Usually achieves the highest price where there is enough time before court action, and where the property shows well.
Has a defined timetable, but the price is uncertain and fees are deducted from the proceeds.
Predictable price and date once agreed, which can matter when a deadline is fixed. Expect below open market value.
Everything depends on how far the process has gone. Be clear about the dates you have.
Ask your lender for a redemption figure including arrears and charges.
Any hearing date sets the real timescale for a sale to be useful.
Free advice is available and should come before any decision to sell.
Know what the property is realistically worth before comparing offers.
Check that the route you choose can actually complete in the time available.
A direct sale is only appropriate in some circumstances. It may be worth considering where:
Get Your Free Cash OfferThe property, the mortgage position and any dates you have been given by the lender or the court.
We explain what we would pay, what happens to the mortgage and arrears, and what is realistic.
With your authority we can keep the lender updated. We cannot guarantee lender or court outcomes.
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 mortgage and arrears are repaid from the sale proceeds by your solicitor at completion.
Often yes, but it depends on the stage. Lenders will sometimes take a genuine, evidenced sale into account. Nobody can guarantee that action will be paused.
Not necessarily, but the timescale becomes tight. Get free independent advice immediately and tell us the hearing date so we can be honest about what is possible.
Your solicitor repays the lender in full from the proceeds, including arrears and charges. Anything remaining is paid to you.
That is a shortfall sale and your lender has to consent to it. Give us the figures early and we will tell you whether a sale can realistically work.
Citizens Advice Scotland, StepChange and Shelter Scotland all provide free advice on mortgage arrears and repossession. We cannot give debt advice ourselves.
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 moreRelease equity quickly when money is tight.
Read moreEstimate the cash offer to expect and compare it with an estate agent sale.
Read moreStage by stage timescales for a Scottish sale.
Read moreTell us about the property and the timescale you are dealing with, and we will be straight with you about what is possible.
