Select the description that most closely matches why you're selling. We'll route you to the right specialist and assess your property in under 3 minutes.
The buyer pays you over time — not the bank.
Instead of waiting for a buyer to secure a mortgage, the buyer pays you a deposit and then monthly instalments. You become the bank. The deal closes in weeks, not months — and you keep earning interest.
Pick the situation that fits
Each option routes to a specialist form. No commitment at this stage.
Expedited property sale
Vendor finance buyers can complete in weeks, bypassing estate agent timelines of 3–6 months. Suitable for any property type and ownership situation.
Inherited property sale
Inherited properties can be sold via vendor finance without repairs or vacant possession. Buyer identified within 48 hours, completion follows standard conveyancing timeline.
Divorce or separation property sale
Property can be sold via vendor finance to meet court-ordered sale requirements. Both parties receive proceeds upon completion.
Mortgage arrears and repossession risk
Vendor finance buyers can complete within weeks, which may allow redemption before the scheduled possession hearing date.
Broken property chain
Where the buyer's property sale has failed, vendor finance buyers with confirmed funds can proceed without requiring a chain, enabling the seller to complete their own purchase.
Unsold auction property
Properties that did not meet reserve at auction can be offered to specialist auction buyers who proceed without the auction timeline constraints.
Property sale with time constraint
Vendor finance enables faster completion than standard conveyancing timelines of 3–6 months. Suitable when the seller has a confirmed departure date.
Cladding or fire safety issues (EWS1)
Flats with EWS1 fire safety certificates can be sold via vendor finance to specialist buyers who do not require mortgage lender approval.
Structural problems or significant defects
Properties with structural defects can be sold via vendor finance to buyers who do not require mortgage valuation. A structural engineer's report may still be useful but is not required.
Japanese knotweed or contamination
Properties with Japanese knotweed or contamination issues can be sold via vendor finance to specialist buyers who do not require standard TA6 forms or remediation certificates.
Unauthorized occupancy in property
Properties with unauthorized occupants can be sold via vendor finance to buyers who accept the property with existing occupancy. Legal process for removal is not required prior to sale.
HMO or multi-let property
HMO and multi-let properties can be sold via vendor finance to specialist buyers who evaluate based on rental income rather than lender criteria.
Short lease property
Properties with leases below 50 years can be sold via vendor finance to lease-aware buyers without requiring lease extension prior to completion.
Lease extension or freehold issue
Leasehold properties with ground rent escalation, missing freeholder, or other leasehold issues can be sold via vendor finance to specialist buyers who do not require standard lease terms.
Title defects or missing documents
Properties with title defects including missing deeds, rights of way issues, or adverse covenants can be sold via vendor finance with disclosed defects and negotiated terms.
Landlord portfolio exit
Portfolio landlords seeking to sell can transfer properties to specialist buyers who assume the existing tenancies and rental income until completion.
Part-completed renovation project
Part-completed renovation projects with planning permission in place can be sold to builder-buyers who complete construction and fund the outstanding bridging debt.
Planning potential — change of use
Properties with change-of-use or conversion planning permission can be sold via vendor finance to development buyers who fund based on GDV rather than mortgage lending criteria.
Multiple property portfolio sale
Multiple properties sold in a single transaction to one buyer. One legal pack, one completion date, and one set of fees.
Jointly inherited property
Properties inherited by multiple co-owners can be sold via vendor finance with proceeds distributed equally per the agreed split.
Home reversion
The homeowner sells all or part of the property to a reversion buyer in exchange for a lump sum or regular income, with the right to occupy rent-free for life.
Bridging loan expiry
Where a bridging loan facility is due to expire, specialist buyers can complete before the maturity date to allow redemption of the existing facility.
Asbestos or hazardous materials in the property
Properties containing asbestos, RAAC concrete, or other hazardous materials can be sold to specialist buyers licensed to handle these materials without requiring remediation prior to sale.
Ex-local authority or ex-council property
Properties with historic s.125 or s.143 disposal covenants, or located in designated protected areas, can be routed to specialist buyers experienced with these transaction types.
Property sale with onward purchase
Vendors who have agreed a purchase on another property can use vendor finance to close quickly, enabling them to proceed with their own acquisition.
Equity release
A loan secured against property value, repaid on sale. The homeowner retains ownership and occupancy while borrowing against accumulated equity.