Selling fast to clear debt or stop repossession
If you’re behind on the mortgage, facing a court date, or the bank’s letters have started getting harder, you don’t need a lecture. You need someone to look at the house, make an offer, and complete in time.
Get my free offer → or call 02920 001331 and ask for Jason or David.
When time is running out
The earlier you talk to us, the more we can do. The pre-action protocol on possession claims gives lenders and borrowers a structured timeline before a court hearing - we’ve completed sales within that window before, but the longer you leave it, the harder it gets.
What we can typically do:
- Make an offer within 48 hours of your enquiry
- Complete in 7-21 days (sometimes faster - our quickest is 4 days)
- Pay your solicitor (so you don’t add a legal bill to your debt)
- Pay the mortgage off directly out of completion proceeds, with anything left over going to you
- Hold confidentiality - no for-sale sign, no neighbours notified
What we can’t do:
- Stop a possession order that’s already been granted with no negotiation room (but if a sale is in progress, lenders often agree to suspend the order)
- Lend you money or give you debt advice (we’re property buyers, not financial advisers)
We’re not debt advisers - here’s where to get free help
If your situation is more about restructuring debt than selling the house, talk to one of these first. They’re free and impartial:
- StepChange - stepchange.org · 0800 138 1111
- Citizens Advice Cymru - citizensadvice.org.uk/wales
- Shelter Cymru (specifically for housing & repossession) - sheltercymru.org.uk · 08000 495 495
- National Debtline - nationaldebtline.org · 0808 808 4000
If selling the house is the right answer for your situation, we’re a phone call away.
A real example
A homeowner in Llanrumney was 8 months in arrears in mid-2024. Possession claim filed, hearing date set for 6 weeks out. He’d tried to remortgage, been declined. He’d tried to sell via a high-street agent for 3 months - no offers.
He rang us on a Monday. We visited Tuesday. Made the offer Tuesday evening. He accepted Wednesday. We worked with his lender’s pre-court team (they’re often more flexible than people expect when a sale is genuinely happening), the lender suspended the possession claim pending completion, and we completed in 14 days. The mortgage was paid off in full, ~£11,000 left over went to him.
He didn’t lose the house to repossession (which would have hit his credit file for 6 years and likely sold for less than the mortgage anyway). He walked away with money in his pocket, however small.
What we’ll need to know
When you ring, we’ll ask:
- Postcode
- Roughly how much is owed on the mortgage (we’ll need this to make sure the offer covers it)
- Are court papers served, and if so what’s the next hearing date
- Any other charges on the property (second charges, equity loans)
We don’t need bank statements, credit reports, or proof of arrears upfront. We can verify what we need with your solicitor once you accept.
Confidentiality
We never list, market, or advertise. Your neighbours won’t know you’ve sold until you tell them (which is usually after completion). The only people who’ll know about the sale are you, us, the solicitors, and your lender.
Get a free no-obligation offer
Fill in the form - takes 2 minutes.
Or call 02920 001331 between 8am and 8pm. Tell us “I’m in mortgage arrears” or “there’s a possession claim” and we’ll fast-track everything.
We won’t pressure you, and we won’t share your details with anyone.
