Category: Selling

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What are cash buyers only and why do sellers prefer them?

What are cash buyers only and why do sellers prefer them?

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Tom Condon
Tom Condon ★ Digital Content Writer

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What does cash buyers only mean?

Cash buyers only means that sellers and vendors will only entertain house offers from potential buyers who have the cash funds readily available without relying on financing or mortgages. 

 

The term cash buyers only is often used interchangeably with cash purchases only and cash buyers only property. 

 

Buyers who are relying on mortgages, funds from other sources (like inheritance) or loans, or the buyers are awaiting a property to sell, they may have their offers rejected. They will need to provide proof of funds – which could be done using a recent bank statement.

 

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Can cash buyers offer less on your property?

Yes, this is known as buying below market value and is a completely normal industry practice. But, this is the question you will need to ask yourself – would you rather your home sell faster for a lower price? Or sell slower for a higher price?

 

Selling to cash buyers only isn’t like selling normally on the open market where you will get offers below and above your asking price. In most cases, the buyer may put in offers below market value because they need to renovate or fix their property.

Do cash buyers pull out?

Until contacts are exchanged, all buyers can pull out of a property transaction – this includes cash buyers. Although cash buyers do say selling with them ‘guarantees’ a sale, this isn’t necessarily completely true.

Why would a house be cash buyers only?

A house would be cash buyers only, if the seller is looking for a fast sale, there are issues within the property or it needs some renovation works.

 

Most people selling with cash buyers only will expect to sell their home below market value as they are accepting the speed of sale in return for a lower selling price (usually 80% to 75%).

Why are cash buyers only good for fast sales?

Cash buyers only means that the seller is not waiting on the buyer to be accepted for a mortgage – which can often be one of the most time consuming parts of selling a house. 

 

In a normal house sale, not waiting on mortgage approval means that they are in a stronger negotiating position but, if a house is only accepting cash offers the margin for profit will decrease as everyone is in the same boat. 

 

If you are looking to sell your house and you want to do it quickly, finding a cash buyer could be a good idea, alternatively you could sell your house to us! We can help you sell your house in as little as 28 days but also find you a price you’ll be more than happy with.

Why are cash buyers only good for properties needing renovation?

Cash buyers only are great for sellers with issues within their property, especially ones that need renovation. This is because most cash buyers will be looking for damaged or derelict properties in order to renovate them and either let them out or sell onwards. 

 

This means that they can buy below market, add value to the house, and then sell for maximum profit. 

 

As long as you announce any issues within your property when they initially look around, then selling below market value for cash can be a very viable option. If you hide any structural issues within the property, then the buyer could pull out.

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Why do sellers prefer cash buyers only?

Most people sell to a cash buyer because they are after a quick sale, with some cash buying companies being able to buy in as little as seven days. 

 

But, as you probably know, the property market isn’t that simple and there are plenty of different reasons people decide to sell a property to cash buyers only. 

 

Some other reasons sellers prefer cash buyers only is because they are:

 

  • A Landlord trying to sell tenanted properties and avoid busy waiting on buy to let mortgage applications.
  • A divorced couple selling after separation.
  • Someone trying to stop repossession. 
  • Someone who has inherited a property that needs a lot of work.
  • A seller or vendor that has been gazumped and needs to sell fast.

Why are cash buyers only good for properties with structural issues?

Properties that have structural issues like subsidence, heavy roof damage, bowed walls or dampness caused by leaks are often put on the market as cash buy only. This is because they require a certain amount of investment which is accounted for in the buyer’s asking price. 

 

If the property has been victim to serious damage and is in a state of repair from fire or flooding then, again, cash buyers only can often be the best way to sell. 

 

If the property suffers from Japanese Knotweed, then it may be sold to cash buyers only. Getting rid of Japanese Knotweed can be expensive, and annoying, but it must be announced to any potential buyers.

 

If your property has been damaged by damp due to condensation, a leaky roof or flooding then you may find that it will cost you a large investment to fix yourself. Potential cash buyers will be able to invest into the property with their own cash reserves. 

 

Furthermore, many experienced property renovators and developers are often cash buyers, which is why if you know neighbouring damaged properties have been sold to a developer it could be lucrative for you to follow this route too. Developers will often look to purchase multiple properties in a small vicinity in order to create a larger development plot. 

 

Some other reasons to sell your house to cash buyers only are:

 

  • The property is old and/or does not have an Energy Performance Rating of C or above. 
  • The property has been built with non-standard construction materials. 
  • The property is considered smaller than usual, and may in fact be too small to get mortgaged. 
  • The location of the property makes it problematic for mortgages, for example it’s in an undesirable or hazardous area. 
  • The property has a short or defective lease; if a leasehold property has less than 80 years remaining it can be difficult to sell on the open market.
  • The property is plagued with legal issues due to negative easements, unfulfilled overage clause obligations, planning or building control limitations and restrictive covenants.
  • The property is mixed use, meaning it is split between residential and commercial units.

Are property cash buyers any good?

One of the main benefits to selling your house to a cash buyer is that you avoid property chains, as the cash buyer is not waiting to sell a house before buying yours. Not only does removing the property chain mean the process is faster, it also decreases the chance of the sale falling through. 

 

One of the biggest reasons house sales fall through is because the house sale slows down, or halts due to issues with mortgage applications, conveyancing or issues within the property.

 

Most of which can be avoided by cash buyers as they have their own funds, use their own streamlined solicitors and will get independent RICS valuations before they put in an offer. 

 

But, there are better ways to sell your house in a short period of time, for more profit. For one, you could sell your house fast to us! 

 

We are an online estate agency who can help you sell your house in as little as 28 days, all while covering all the marketing and legal costs associated with the house sale. 

 

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Cash buyers only FAQs

Cash purchasers only refers to where the seller says that they will only accept payment in cash for the property, and they will not consider mortgage or other financing options. 

 

Some sellers may prefer cash purchasers only because they can be faster and involve fewer complications as the buyers do not need to wait on mortgage approval. 

 

However, limiting a house sale to cash purchasers only can restrict the pool of potential buyers, as not everyone has the financial means to make cash purchases.

 

If you come across a property listing on Rightmove or Zoopla, labelled as cash purchasers only, and you’re still interested in the property, it’s advisable that you consult with an estate agent (like us) to explore your options.

When a home is a cash buyers only property, similarly to cash purchasers only, it means that the property will only welcome cash offers. 

 

If you find a cash buyers only property and you do not have enough cash to purchase the property, then in most cases your offer will be rejected. 

 

However, you may get lucky if the cash buyers only property hasn’t got the interest needed and the vendor may entertain a mortgage offer – but you will need to have already attained approval and be ready to move on a fast timeline.

When it comes to selling a house, most articles will tell you, you will need to work out which is most important – time or money, but, this isn’t the case!

 

It is completely possible to sell your house for cash and get market value, as here at The Property Selling Company, we believe that selling a house should be three things: fast, effortless and free. 

 

We offer a fantastic full online estate agent service, without all the fees – because it’s our mission to change the way people sell their houses. 

 

If you want to sell your house for cash, and for full market value then we will find the right buyer for you! We pride ourselves on our exceptional service, and we hope we will see you soon.

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Who Decides Completion of House Sale Time & Date?

completion of house sale

Who Decides Completion of House Sale Time & Date?

Looking at what happens on completion day, whether completion happens on moving day, and what the process involves.

Alexandra Ventress

Alexandra Ventress ★ Digital Content Writer

Table of Contents

The completion process is the final hurdle of the house selling and buying process, so it is important to be well-versed in the process so you can fully prepare for any last-minute surprises that may come your way during the period between exchange and completion. 

 

In this blog post, we will be looking at when the house sale completion time occurs, what happens on the day of completion, and who decides the completion of a house sale.  

 

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What is the completion time for a house sale?

The completion date for house sale is the final stage that occurs in the conveyancing process.  It will typically occur anywhere between 7 and 28 days of exchanging contracts and signifies the end of the property sale and ownership is passed to the new buyer. 

 

During the completion day, the buyer’s conveyancer will be responsible for transferring the final funds to the seller’s solicitor. After the payment has been received, then completion has legally occurred. The buyer will then get the keys to the new house and the seller must move out. 

 

When the day arrives, you may have a target completion time, which is typically anywhere between 11 am to 12 pm, however depending on the chain length it can sometimes take longer. 

What happens on completion day of house sale?

House sale completion day is one of the final stages of the house selling and buying process. It is the day when the seller of the property will receive the rest of the funds from their solicitor, which is usually the deposit and the remaining money from the buyer’s mortgage lender. 

 

At this stage, the buyer will be able to collect the keys from the estate agent and move into their new property. They will also receive a signed transfer copy of the title deeds for the property. 

 

The completion of house sale is also the stage where both parties will be required to pay their final solicitors fees. The seller will also be required to pay any remaining estate agent fees and the buyer will need to ensure they have paid any legal costs and disbursements that may be outstanding. 

 

Stamp duty land tax will then be paid by the buyer’s solicitor on their behalf.

What can I expect on completion day? 

Every completion day is different, however, as a rule of thumb this is what you can expect when the big day rolls around: 

This is the time when the first buyer in the chain, typically a first-time buyer, will complete their purchase transaction

It is now the time when the second buyer, who will have sold their property to the first buyer will complete the purchase transaction

The next buyer to complete their purchase will be the third buyer, who will have sold their property to the second buyer

At 4pm, the final seller in the chain (who only needs to sell) will receive payment from the third buyer and complete the sale transaction. This is where the property transaction will end. 

More often than not, the completion deadline will be set before 5:30 as this is the time when the majority of CHAPS banking systems and solicitors offices close for the day. 

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Can you exchange and complete on the same day? 

Yes, it is possible to exchange and complete on the same day, although it can be a risky move! By having the exchange and completion occur on the same day, you may find that either the buyer or seller is not fully organised or prepared to move. 

 

Below are some of the things you may need to look out for if you plan on having exchange of contracts on the same day as completion: 

 

  • If you are a cash buyer, then it is easier to exchange and complete on the same day as there is no transferal from the mortgage lenders
  • You will need to transfer the funds to your solicitor the day before completion in order to ensure there are no transition problems
  • You run the risk of putting yourself in a vulnerable position, as you will have packed up your property and be ready to move, and a seller may ask you for something extra at the last minute. You will not have a lot of room for negotiation so it is best to read carefully. 
  • If you are chain-free, it will be easier to exchange contracts and complete on the same day 
  • The majority of mortgage lenders are fine with the buyer and seller exchanging and completing on the same day, however, you should be wary that others require a minimum period of at least 5 working days between

Can you have exchange and completion on different days? 

By the time that completion takes place, the seller must have either already moved out, or be moving out on the date.  This is the day when the seller’s solicitor receives the purchase funds and transfers ownership. 

 

Should the buyer be without a property to sell, then they will be able to move into the house either on or after the completion day. Should the transaction be a part of a property chain, then the buyer may be at the mercy of the seller’s completion day. 

Can anything go wrong on completion day?

As with anything in life, occasionally things can go wrong. Typically, problems can occur with the transfer of funds. This can happen due to money being passed from your mortgage provider to your solicitors, and then onto the buyer’s solicitors. If there is a delay in the transfer and it does not go through before 3 pm, then you will need to wait until the next working day. 

 

If you are part of a property chain, you may also run into issues. Should part of the chain collapse or become delayed then the whole process can be stopped in its tracks. 

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How do I make completion day less stressful? 

Thankfully, whilst there is always room for error, there are things you can do to help the whole day to progress smoothly. Below we take a look at some of our top tips to help your completion day go as planned:

 

Plan ahead: It’s always good to prepare ahead of time for moving day, so once you know your house completion day, you should start getting all of your ducks in a row. This means arranging your removal company for the day far in advance, packing up your property and confirming timings with your seller. 

 

Regular communication: Communication is key in all aspects of life, but especially when dealing with your solicitor. Making sure your solicitor is able to contact you at all times is a great way to ensure that you complete your house sale as quickly as possible as if a problem arises, they will be able to reach you and resolve it. 

 

Keep everything together: It is always a wise move to ensure that you keep any and all important documents regarding your house sale and move together. This way if they are needed, you know where they are located and will be able to find them with ease, avoiding delays. 

How do Solicitors transfer the mortgage funds? 

On the completion day, the buyer’s solicitor will transfer the money for the purchase to the solicitor of the seller. Usually, this transfer occurs using CHAPS payment, as this form of payment allows you to make a payment that is high value on the same day. 

What if I can't pay? 

If you do not transfer the funds on the contractual completion day, then you will face a fine. However, if the reason that you did not transfer the funds was due to your buyer not transferring, then they will pay a penalty to you. 

Who decides the completion date?

The house move completion day is a date that should be chosen by both the vendor and the buyer in advance of it occurring. However it is worth bearing in mind that i you are buying a new build, then this process will be different. The date of completion will typically occur on a working weekday. This is to ensure that the money transfers through that bank in time. Once you have confirmed completion, you will be able to plan your move. 

How do I get the keys? 

After the seller’s solicitors have received the funds required, they will confirm completion with the buyer and release the keys. These can then be picked up from an estate agent or from the buyer directly. 

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Can someone else pick up keys on completion?

Yes, they can! You are allowed to have someone else, such as a legal representative or guardian, pick up the keys. If you are the named buyer of a property but are unable to collect your keys or wish to have someone else do so, you must be sure to instruct your solicitor, as well as the seller and estate agent of your plans. 

Can a buyer pull out on completion day?

Once contracts have been exchanged, it is impossible for the buyer or seller to pull out without serious legal and financial consequences as this is classed as a breach of contract. 

 

If you are the buyer… 

 

Then you are the one who stands to lose the most financially from pulling out. As a result, you will lose the full deposit funds if you pull out after the exchange, and you may still have to pay a percent of the unpaid purchase price. Your seller may also request that you cover their conveyancing costs for the process. 

 

If you are the seller… 

 

Then you will be required to cover your buyer’s costs for the process. This will typically include the solicitor’s fees as well as surveying costs. You may also be asked to pay accrued interest. It is also worth bearing in mind that the buyer also has the right to pursue legal action. 

The Property Selling Company 

Whether you are buying or selling a house, we are here to help.

 

Here at The Property Selling Company, we pride ourselves on your personal philosophy that selling a house should be three things; fast, effortless, and free. 

 

We have made it our mission to shake up the way that you sell your home, which is why we offer a full online estate agency service but without the fees and hassle.

 

We will work alongside you every step of the house-selling process, covering everything, so you won’t have to. The days of expensive solicitor fees and legal work are over, and our team of property experts will continue to be there even after the process is complete. 

 

We will market your property on popular property portals such as Rightmove and Zoopla, organise viewings, cover legal fees, and negotiate better deals, all for free!

 

So if you are looking to buy or sell a property, get in touch today and fill in one of our free, no-obligation forms! 

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How to Stop Repossession of House: Sell Home to Avoid Repo

how to stop repossession of house

How to Stop Repossession of House: Sell Home to Avoid Repo

Looking at how to stop house repossession, how the repossession of your home can affect you as the home owner and how the process works.

Alexandra Ventress

Alexandra Ventress ★ Digital Content Writer

Table of Contents

Falling into mortgage arrears and having your property repossessed is a situation that no one wants to find themselves in. It can leave you wondering exactly what your housing options are, how you can amend the situation, and whether or not you can stop house repossession. 


In this blog post, we will be looking at how to stop the repossession of house, what the repossession process involves, and how we can help you sell fast and for free. 

 

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How many missed mortgage payments before repossession UK?

If you miss a mortgage payment, there is no need to sell your home. It does not mean you will lose your home either. The majority of mortgage lenders will not begin the repossession process until you have missed at least three mortgage payments. 

 

This is referred to as being in mortgage arrears. As soon as you miss a mortgage payment, you are technically in mortgage arrears. However, your lender must abide by the pre-action requirements and typically will not repossess your home unless it is a last resort.

 

In order to begin repossession proceedings your lender must first: 

 

  • give you clear information about how much you owe on your mortgagee as well as the terms of your agreement
  • offer you alternative ways of paying your mortgage to avoid repossessing your property 
  • not take you to court if you are taking the reasonable advised steps to stick to your lending agreement 
  • give you debt advice 

What is the house repossession process? 

If you are wondering how to stop repossession of house, then you may first wish to get familiar with the legal process of repossession. Below we take a closer look at what the home repossession process involves: 

The first stage of the repossession process is your mortgage lender will be in touch with you to make a plan with you to pay off your arrears. If you are concerned about missing a payment then you can reach out to your lender for advice, you do not need to wait for them to call you. 

 

The majority of mortgage lenders will have signed the government’s mortgage charter which means that they have made an agreement not to evict people within a year of their first missed payment unless there are circumstances which can be classed as exceptional. 

If you and your lender cannot agree on a repayment plan, then your lender may start court action to repossess your home. In order to start the eviction process, they must be able to provide a list of all missed payments, the total level of arrears and the outstanding mortgage debt before they apply to court. 

The court will send you several letters and forms that must be kept together. It is a wise idea to purchase a file and keep any relevant documentation inside. Then you should check all documents carefully before completing and completing the defence form. 

The next step is that you will attend a repossession hearing. If you are not present for this hearing then you will damage your chances of keeping a hold of your home significantly. This is because if you do not show up to the hearing, you run the risk of the court making an outright possession order on your property and you could lose your home as a result. 

 

If you are unable to attend your hearing due to reasons beyond your control you should inform the court as soon as possible. 

At the hearing, the court will make a decision about the repossession of your home. There are two types of possession orders that the court can grant. These are: 

 

  • an outright possession order
  • a suspended possession order 

 

If the court grants an outright order then that means they have set a date for you to leave your home. This has the potential to be as soon as 4 weeks after the hearing. 

 

If the court grants you a suspended order then you will be allowed to stay in your home but on the terms set by the court. This will typically mean that you must pay back a set amount alongside your monthly mortgage payment. 

 

It may also be a case that the lender’s claim may be dismissed or adjourned at the hearing. 

In the event that the court makes a suspended repossession order and you break the terms of the agreement, or they grant an outright order and the date for possession has passed, they may ask the bailiffs to evict you. In order for this to happen, the lender must apply for an eviction warrant from the court, and they must send you a notice to inform you of this decision. 

If you are evicted from your property, then your mortgage lender will sell your house. After the sale has gone through, any secured creditors and our mortgage lender will get their money back. If there is any money left over from the sale you will receive it. If you owe more than the property ends up selling for, then you may have to pay the mortgage shortfall back. 

What happens when a repossessed house is sold?

If your lender is trying to repossess your some and has gotten to the stage where they have taken legal action and evicted you, then the next step will be to sell your home. After the sale is complete and your lender has sold your property, they will: 

 

  • Deduct any legal and estate agent’s fees
  • Take the money they are owed from the proceeds
  • Repay any other lenders in the event that your property has been used as security for a loan 
  • Send any money that is left over to you

 

If there is a mortgage shortfall, then you will have to pay the difference. A mortgage shortfall occurs when you owe more than you can get from selling the property. Your lender may take you to court to repay this shortfall. 

 

If you do not repay this debt and go on to purchase a new property, then your previous lender may apply to the courts for powers to force you to repay the original shortfall. 

Do all repossessed houses go to auction?

The most popular outlet for repossessed properties is often a property auction. This is because lenders will wish to recoup their losses as quickly and securely as possible, which a property auction allows them to do. Rather than selling on the open market, lenders tend to favour property auctions as the winning bid becomes legally binding when the gavel falls. This means any investors who purchase the property cannot pull out of the sale without facing serious financial repercussions. 

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How long does it take for a repossessed house to be sold?

Exactly how long it will take for your repossessed property to sell depends on the condition of your property, the location, the selling method and market conditions. Many lenders wish to be rid of repossessed properties quickly, so they can recoup their losses faster. Typically, repossessed houses can be sold and have the sale completed in a month if they are sold through a property auction. 

 

If they are sold through an estate agent, they can take slightly longer to sell, due to the different methods of sale involved.

How to avoid repossession

If you are looking at trying to avoid repossession house, there are steps that you can take. The best thing you can do if you have fallen into mortgage arrears or are worried about paying your mortgage is to contact your lender. Whilst it can be tempting to bury your head in the sand, you should always reach out to your mortgage provider.  It is within your lender’s best interest to keep you in your home and paying your mortgage, so by informing them of your situation as soon as possible, you will be able to resolve the issue faster. Your lender will be able to help to provide you with a new strategy for paying your mortgage, or they may suggest a mortgage holiday or paying your mortgage a few days late if you are suffering from temporary financial struggles. 

 

You should also look at seeking financial independent advice. There are plenty of housing charities which are there to offer free, impartial support to those who are struggling financially. Charities such as Shelter can help you with housing advice, but it is also worth getting in touch with Citizens Advice as well. 

Can I have my home repossessed voluntarily? 

It is possible to do what is called voluntary repossession. It involves handing back your keys to your lender if you cannot afford to pay back your mortgage arrears. However, if you hand back your keys and move out, you will not be able to live in your home. Furthermore, it can affect your: 

 

  • benefits
  • options if you need housing help 
  • credit rating

How quickly can i sell my house to avoid repossession?

In order to avoid repossession, you should look into selling your home as quickly as possible. This gives you the best chance to sell your property within the allotted time and to raise the funds necessary to pay off your mortgage. Exactly how quickly you can sell your house to avoid repo is down to the selling route you wish to explore. 

 

If you sell through a cash buyer, then you have the potential to sell in a timeline that suits you, meaning you could get your property sold in as little as 7 days, however, it is worth bearing in mind that you will not get the full market value of your property for this price. 

 

If you sell through a property auction, you can sell and complete within a month, but it is worth bearing in mind that once you sell you will be required to pay a commission to the auction house. 

 

If you sell through The Property Selling Company, we can help you sell your home fast and for free in as little as 28 days. 

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Can I sell my house before it gets repossessed?

Whilst a repossession order may seem final, there are still steps you can take to try and stop your order. You can always try and renegotiate with your lender in order to see if a new strategy can be reached.

 

If you feel as though you will be unable to pay off your debt, or that you will be unable to meet the ongoing repayment obligations then you may be able to request more time to sell the property so you may clear the debt. 

 

In order to stop the repossession of your home, you will be required to provide your lender with proof that a sale is in progress.  

 

If you are looking to stop repossession of your home and sell your house fast, there are typically three ways you can go about doing this. You can either sell through a quick house sale company, through a property auction, or on the open market. As with any selling option, there are pros and cons involved with these three selling routes. Below we take a closer look at how quickly you can sell your property using these options: 

Cash Buyer

Selling through a cash buyer is an avenue that some people looking to stop house repo may wish to explore. A cash buyer is a person or company who is able to purchase your property without the need for a loan or mortgage meaning they are able to purchase your property in a timescale that suits you. Some cash buyers have been known to complete in as little as 7 days, making it an avenue some sellers use to stop repossession. 

 

However, in return for this fast sale, you will not get full market value. And if you are reliant on the money from this house sale to help settle your debts are help you avoid a mortgage shortfall, then you will be unable to afford less than market value. Furthermore, not all sell house fast are as reputable as they appear. Some have been known to use underhanded tricks to pressure sellers, so it is always wise to ensure they are regulated by a board such as The Property Ombudsman or the National Association of Home Buyers. 

Property Auction

A property auction is another route that people facing repossession may wish to look into. This is because a property auction offers a secure way of selling your property as once the gavel falls all winning bids become legally binding. 

 

However, you should bear in mind that whilst all bids are legally binding, there is no guarantee of a sale. You may also find that there is a lot of waiting involved in the property selling process which if you are seeking a quick sale is not ideal. Furthermore, you will be required to pay a commission once your property has sold to cover the costs of marketing and selling your home. 

Sell through us

Selling a house to avoid repossession can be a tricky situation to deal with, but it doesn’t need to be. Here at The Property Selling Company, we pride ourselves on our philosophy that selling a house should be three things: fast, effortless, and free. 

 

We have made it our mission to shake up the way that you sell your home, which is why we offer a full online estate agency service but without the fees and hassle. Rather than forking out for expensive legal and estate agent fees, we cover them for you. It’s just one of the ways that we take the stress out of selling. 

 

Our dedicated team of property experts work alongside you through every step of the selling process and beyond and can help you sell and avoid repossession house in as little as 28 days. 

 

So, if you are ready to stop house repossession, then get in touch today and fill in one of our free, no-obligation valuation forms today! 

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Types of House Surveys & Is a Survey Required to Sell a House?

house surveys

Types of House Surveys & is a survey required to sell a house?

Looking at the different types of house surveys available, from homebuyer reports to building surveys, and how it can affect your home sale.

We will cover your survey when you sell via us!

WRITTEN BY: Alexandra Ventress ★ Digital Content Writer

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Types of House Surveys & Is a Survey Required to Sell a House?

Looking at the different types of house surveys available, from homebuyer reports to building surveys, and how it can affect your home sale.

We will cover your survey!

WRITTEN BY: Alex Ventress ★ Digital Content Writer

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Table of Contents

When it comes to putting your home on the market, an aspect that you may not be looking forward to is the house survey. These house surveys come in many forms, covering different aspects of your property, and highlighting any issues you may have. If you are worried about the results of these surveys possibly derailing your sale, then you may have questions about what the process involves and how it can affect you. 

 

In this blog post we will be looking at selling house survey, the different types of house surveys available, and whether you need one in order to sell your house. 

 

Looking for a quick answer? Check out our interactive menu to the left! 

Is a house survey a legal requirement?

A house survey is a document that details the condition of a property, looking into any red flags it may have, that have the potential to cause issues later down the line. There are many different types of house surveys that you can have done to your property. 

 

You may get a survey done when you are buying a house, in order to ensure you are not purchasing a problem property. 

 

Whether you are selling or buying a property, getting a home survey performed is heavily recommended although it is not recommended. If you are selling your home and you do not wish to have a home survey performed, then you may run into trouble as buyers may be less likely to buy as they may feel as though the property has something to hide.

 

Who performs the survey? 

The survey will be performed by a qualified surveyor, who will either be a member of the Royal Institution of Chartered Surveyors (RICS), or the Residential Property Surveyors Association (RPSA).

How many types of surveys are there?

When it comes to selling your home, there are 4 main types of house surveys that you will be more than likely dealing with. Each of these surveys plays an important role in the house-selling process and highlights a different aspect of the property you are selling. These are as follows: 

 

  • Condition Report – This survey provides a simplistic ‘traffic light’ system for the condition of the property
  • Homebuyer Report: This is a slightly more in-depth survey with far more details. This report will recommend any further investigations that may need to take place and offer advice on a budget for any repairs that may need to take place. 
  • Building Survey –  This is a comprehensive in-depth survey of the property, also known as a full structural survey. It is one of the more expensive surveys. 
  • New Build snagging survey – If you have a new build then this survey will more than likely take place. Its purpose is to illuminate any issues that the property may have. 
 

What are the different types of surveys?

As we have already mentioned, there are a number of different types of house surveys available when selling your home. Exactly what survey your buyer may choose will depend upon them, the depth of survey they want, as well as the budget, age and condition of the property. Until 2021, there were 3 types of property surveys available. These were the Home Buyer Report, Condition Report, and Building Survey. However, these names have since changed, so below we take a closer look into the survey types, names, and what they involve:

A level 1 survey is suitable for people who are purchasing a typically conventional property that is made from common building materials. Previously referred to as a Condition Report, this is the most basic survey available and is the cheapest. 

 

This survey will provide you with a ‘traffic light system’ that rates different areas of the property, looking at services, grounds, and any problems that may require attention. It will also provide you with a summary of the risks that the property may bring but it doesn’t provide too much detail. 

Once referred to as a Home Buyer  Report or Homebuyer Survey, a Level 2 survey that is popular with those who are purchasing a conventional property that appears to be in a reasonable condition. This survey covers everything that you would typically receive in a Level 1 survey but with the additional checking of roof and cellar spaces. 

 

This survey will also provide you with recommendations about any further steps that will need to be taken, as well as the cost of the repairs that need to be made, market value, and a reinstatement figure for insurance. 

An RPSA Home Condition Survey is the equivalent of a level 2 survey, but rather than being performed by RICS, it is done by the Residential Property Surveyors Association. These surveys are independently checked to ensure they are produced consistently and are correct. They will also provide you with information such as broadband speed, damp assessment and boundary issues. 

A full structural survey, also referred to as a RICS Home Survey Level 3 and previously as a RICS Building Survey, is the most in-depth survey offered by RICS. 

 

If your property is over 50 years old, has a slightly more unusual design, is in poor condition, or is listed, then this may be a survey that your home buyer has done. They are a more expensive survey to have done, but as a result, they are incredibly thorough. 

 

The level 3 survey will include everything that you would receive in a RICS Home Survey Level 2, plus it will also describe any identifiable risks and causes of potential or hidden defects in areas that your surveyor has been unable to inspect. If there is any remedial work that needs to be carried out then the survey will outline the scope of it, as well as explain what will happen if no action is taken to correct this. It will also inform you about the timeline for necessary repairs and the priority. 

A RPSA building survey is the most non-invasive survey from RPSA. As a part of this survey, you will get everything from the Home Condition survey, plus a more in-depth description of the construction and defects. It will also give an explanation of how to go about rectifying defects and the consequences that not doing the required work. 

Survey costs 

Exactly how much a survey will cost will depend on the type of survey, as well as the property. Below are the approximate costs of the different surveys: 

Tpye of report Cost
Condition reports£300
Homebuyer reports£400
Building surveys£600+

Is a mortgage valuation the same as a survey? 

No, a mortgage lender’s valuation is not the same as a RICS home survey. It is simply a look over the property to assess how much it is worth. A mortgage lender will require a mortgage valuation as it ensures the property is sufficient security for the loan. 

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What are red flags on house survey?

When you get the results of a house survey back, there may be some red flags noted. These are issues that could either potentially occur or are already occurring in your property and will need to be remedied. Below are some of the most common issues that a RICs surveyor may come across when performing a house survey report: 

 

Subsidence and structural issues 

The biggest red flag that can be found in a house buyers survey is subsidence. Subsidence occurs when the ground beneath the property begins to compress and sink. This uneven ground can then take its toll on the home and misalign the property foundation. Subsidence is a serious safety issue for your property, as it compromises the structural integrity of the home. 

 

Damage from subsidence can be significant and can be incredibly costly to repair. Because of this, it is often viewed as one of the worst results you can get from a survey. 

 

Unapproved extension

Another red flag that may be present in your survey is unapproved extensions. These are building works or extensions that have been carried out without receiving the correct form of building regulations, planning permissions, or Party Wall Agreement. If this is found to be the case, then you as the seller could face serious legal penalties, such as prosecution and a fine. It would also mean that the buyer would be liable once they bought the home. 

 

Furthermore, building work that has been performed without the relevant paperwork and documents may not be safe and poses a threat to the buyer and the seller. 

 

Issues with the roof

Roof issues are another problem that can be highlighted during a survey. Minor defects such as cracked, loose, or missing tiles can be fixed quickly and fairly cheaply, however, more severe issues can be expensive and time-consuming to rectify. 

 

Mould 

Mould is another red flag that can pose an issue to the health and safety of those living in the property. According to information from the NHS, mould can be responsible for many different allergic reactions and irritants, as well as producing toxic substances. If you have a weakened immune system, skin conditions, or respiratory issues then you may be particularly affected. 

 

Old wiring 

Old wiring is not only a safety hazard to those living in the property, but it can also be expensive to replace. If significant issues with the wiring are discovered, then your surveyor may suggest you consult an electrician. 

 

Heating system issues 

As a good rule of thumb, you should have an annual gas and safety check and boiler service. If you do not have any up-to-date certificates, then you should get in touch with a professional to check the system out. 

 

Japanese Knotweed 

Another red flag that may be present in your home is Japanese Knotweed. Notoriously hard to get rid of it is always best to seek professional advice, as if left unattended, this invasive weed can cause structural issues to your home as well as devaluing your property. 

 

Who pays for the issues on a housing survey? 

Should you have a survey done on your property that highlights less than positive results, then it is up to the buyer whether or not they want to continue with the purchase. Should they still be interested in the property, then they may try and renegotiate the price with the seller to compensate for the cost of any repairs that may need doing. 

 

Or the buyer may ask for you to pay for the repairs before the sale is completed.

What to Do if You’re Nervous About Your Home Survey

It is normal to feel nervous about a survey being performed on your property, but it is a normal part of the selling process and is not a cause for concern. As long as your property is in reasonable condition you should have no issues during the process.

It’s important that you don’t try and hide or cover up any issues from the surveyor and instead follow our tips to help you best prepare for the property survey: 

One of the best ways that you can prepare for your upcoming survey is by doing a deep clean of your property. Thoroughly cleaning your property is a great way to get rid of mould, dirty tiles, stains and other issues, as well as making it easier for your surveyor to get to the areas they need to in your property. 

Next on your list to prepare should be to clear your home of clutter. It’s important that your property is accessible to the surveyor, so you should be sure to move or put away anything that can cause accidents or will get in the way. You may also wish to arrange for any children or pets to stay with friends or relatives for the day whilst the survey is taking place to avoid distractions. All of the property should be easily accessible but make sure there is a clear path to the garage, attic, and shed. 

Whilst you are cleaning and clearing your property, it may also be a good idea to remove any items from your window sills or fireplaces in order to allow your surveyor to be able to check them for damage. 

Small issues such as damaged tiles, dripping taps, and hairline cracks can be fixed fairly easily before you put your property on the market. However, do not attempt to fix more serious issues yourself without the help of a professional. 

If you suspect there are any issues with your property, you should be upfront with your surveyor about them. Surveyors know exactly what they are looking for, so you can save time by being honest and upfront with them. 

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Can you sell your house without a survey?

It is possible to sell your home without a survey, however, it would be incredibly difficult to do so. Many buyers on the open market are not going to want to purchase a property without being able to do even the most basic survey. Purchasing a house is one of the most expensive financial decisions a person will make in their life, and chances are they will not want to risk purchasing a home with structural issues, old wiring, subsidence, or Japanese Knotweed when they could instead have a survey performed. 

 

If you are worried about having a survey performed on your property, it may be within your best interests to pay to have one performed so that you are aware of any pressing issues that may be present in your home. This way you can make the necessary changes and your property could potentially be worth more as a result. 

 

Ready to sell your home? 

If you are ready to put your home on the open market, then you have come to the right place! We are The Property Selling Company, an online estate agency who are here to change the way you feel about selling houses. We pride ourselves on our philosophy, that selling a house should only be three things: fast, effortless, and free. 

 

We offer you an alternative from the mundane and to shake up the traditional route of estate agency, allowing you to sell your house in as little as 28 days. And as an added bonus, we help you sell without the legal or estate agent fees! 

 

We work alongside you through every step of the house-selling journey, covering everything, so you won’t have to. Our team of property experts are by your side, marketing your property on popular portals such as Rightmove and Zoopla, organising viewings, covering legal fees, and negotiating for better deals, all for free! 

 

So if you are ready to sell your home in as little as 28 days, then get in touch today and fill out one of our fast, free, no-obligation forms to get the ball rolling! 

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Selling a House Without Fensa Certificate: Do I Need One?

Window certificate

Selling a House Without Fensa Certificate: Do I Need One?

Looking at whether you need a fensa certificate to sell your property, whether you need a FENSA certificate for windows, and the answers you need to find out how to obtain one.

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WRITTEN BY: Alexandra Ventress ★ Digital Content Writer

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Selling a House Without Fensa Certificate: Do I Need One?

Looking at whether you need a fensa certificate to sell your property, whether you need a FENSA certificate for windows, and the answers you need to find out how to obtain one.

Sell your house in 28 days

WRITTEN BY: ALEXANDRA VENTRESS ★ Digital Content Writer

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Table of Contents

Selling your home is undoubtedly a stressful experience. It can be time-consuming organising your property, choosing your estate agent, and organising your estate, without discovering you are missing vital paperwork that both your solicitor and buyer will need to see. 

 

One such document that you may have misplaced is your FENSA certificate, which can make selling a lot more difficult than you may have originally anticipated, adding extra hoops for you to jump through with your sale. If you are selling your property and wondering if you need a FENSA replacement certificate, then read on. 

 

In this blog post we will be looking at whether you need FENSA certificate selling house, FENSA certificate meaning, and how no FENSA certificate selling house. 

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Is it worth getting a FENSA certificate?

Yes, it is. Besides being a legal requirement, there are plenty of reasons why you should have a FENSA replacement certificate. It works as a declaration and it proves to the homeowner that the company that installed the windows or doors: 

 

 

It also verifies that your warranty is insured and is essential when it comes to selling a property. 

 

FENSA certificate requirements prove that building regulations have been complied with. It is worth getting FENSA certification in order to stay on the right side of the law when selling your property. 

How long do they last? 

A FENSA certification will last as long as the doors and windows that they cover do. The document is used for the property, not the person who had the doors or windows installed. 

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What is FENSA? 

FENSA is a government scheme that is responsible for monitoring BUILDING Regulations compliance for replacement windows and doors in England and Wales. 

 

When FENSA was set up, it was the government’s first competent person scheme. This means that FENSA has a register of accredited double-glazing installers who can be chosen by homeowners to replace any doors or windows with confidence. 

What does FENSA cover? 

There can be confusion over what exactly FENSA covers. You will find that replacement windows and doors as well as roof lights are covered by FENSA but they do not cover the following: 

 

  • Porches
  • Conservatories 
  • New Builds 
  • Window repairs 
  • Extensions 

What if I didn't receive a FENSA certificate?

If you know you used a FENSA approved installer for your window and door but have lost your documentation, you will be able to find and order your FENSA certificate online or through the post. When you order a replacement windows and doors FENSA certificate online, you will need to  include the following information: 

 

  • Postcode
  • House number or name 
  • The FENSA ID number (but only if you have this information) 

 

If you wish to order the document through the post, you will be required to send a cheque to FENSA, as well as a letter that covers the following information: 

 

  •  The full name of the company name and business address of the FENSA-registered company that completed the work on your property 
  • The name and address of the property owner 
  • The address and postcode where the installation happened 
  • If you decide to have the replacement certificate sent to a different address, then you will need to include this as well 

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How much does a FENSA cert cost?

If you have misplaced your FENSA certificate and wish to receive a replacement online, you can expect a fee of £25, including VAT. If you decide to send a cheque in the post, this cost will increase to £30 due to an administrative charge. 

How do I get a FENSA certificate for my windows or doors?

As we have already mentioned, you get a FENSA certification when you get replacement windows or doors installed. This document will typically take around 2-4 weeks to be issued. If you have had windows and doors installed by a non-FENSA installation company, then it can take you up to 2 months to get a certificate from your local authorities’ Building Control department. 

Is FENSA mandatory?

From 1st April 2002, any windows that have been replaced by a professional are strictly required to have a FENSA certificate in order to demonstrate that the work has been done to meet the relevant standards, or you will be able to show this using a building regulations certificate. 

 

Regardless of the certificate that you have in your possession, it is illegal to have double glazing installed in your home without having either a FENSA certificate or a building regulations certificate in place. 

What if I don't have FENSA certification? 

If you want to put your home on the market but do not have a certificate, then do not worry, there are other routes available to you! One option is to apply to your local authority for a “Retrospective Building Regulation Compliance Certificate”. However, this procedure will usually cost between £300-£400 and may take some time. During this process, your local authority will go through the database detailing the work done in the area. 

 

You may also be able to take out double glazing building regulations indemnity insurance, but the work must have been completed more than a year ago. If this is an avenue that you wish to explore, you should make sure that it covers any costs you may owe if the installation does not meet the necessary requirements. 

 

Alternatively, you can have a building control officer come to the property. They will be able to inspect the property and come to a conclusion on whether the doors and windows meet the standard requirements. If they do then the building officer will be able to issue your property with a certificate that will prove compliance. however, this service will come with a charge that is subject depending on your local authority.

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Can I sell a house without a FENSA certificate?

You may be wondering, ‘Do I need a FENSA certificate to sell my house?’ The answer is yes. Whilst you may not require FENSA certification, some kind of certification will be required in order to clarify that the building work meets the necessary standards. 

 

If you find that you have no FENSA certificate for windows or doors on your property, then you do have options to remedy the lack of certification. You can obtain a replacement issued directly by FENSA, take out indemnity insurance, or Retrospective Building Regulation Compliance Certificate. 

 

It can be incredibly difficult to sell a property without a FENSA certificate. This is because many lenders will be willing to borrow against a property where the necessary documentation is not present. Lenders can be concerned by the risk that the property may not comply with building regulations. They may also be concerned that this could make the property impossible to sell should the buyer default on their mortgage. 

Sell to us! 

Whilst a FENSA certificate is a non-negotiable when it comes to selling your home, we believe that estate agent and legal fees shouldn’t be! Here at The Property Selling Company, we pride ourselves on our philosophy that selling a house should be three things: fast, effortless, and free. 

 

We are here to shake up the traditional route of estate agency, offering you an alternative from the mundane and allowing you to sell your house in as little as 28 days and without the legal or estate agent fees. 

 

We work alongside you through every step of the house-selling journey, covering everything, so you won’t have to. Our team of property experts are by your side, marketing your property on popular portals such as Rightmove and Zoopla, organising viewings, covering legal fees, and negotiating for better deals, all for free! 

 

So if you are ready to sell your home in as little as 28 days, then get in touch today and fill out one of our fast, free, no-obligation forms to get the ball rolling!  

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Can I sell my house with mortgage arrears & what is it?

People organising Mortgage arrears

Can I sell my house with mortgage arrears & what is it?

Wondering if you ‘can sell your house with mortgage arrears’? Well you’re in the right place!

Tom Condon
Tom Condon ★ Digital Content Writer

Table of Contents

If you are wondering if you ‘can sell my house with mortgage arrears’, well the short answer is yes. Selling your house with mortgage arrears can be a complicated process, particularly when considering factors such as support for mortgage interest, the remaining mortgage term, and the need for debt advice.

In such a situation, it’s vital that you seek guidance from a reliable mortgage or debt advice service. In 2023, various support schemes exist to help homeowners reduce their monthly payments and manage missed payments effectively.

Exploring options to reduce financial strain and seeking debt advice can be instrumental in devising a feasible plan to pay back any arrears before proceeding with the sale.

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What is mortgage arrears?

Mortgage arrears refers to the situation where a borrower falls behind on their scheduled mortgage payments. This could be due to various hardships such as job loss, reduced income or unforeseen expenses. 

 

When a borrower falls into mortgage arrears, the mortgage lender might apply additional charges to cover the costs associated with managing the account during this period. If the arrears are not repaid within a specific timeframe, the homeowner is at risk of having their property repossessed by the lender.

How easy is it to fall into mortgage arrears?

Annually, there are a staggering number of approximately 80,000 mortgage homeowners in the United Kingdom grappling with the challenging reality of falling into arrears. 

 

Given the severity of the consequences, it’s vital to understand the potential ease with which mortgage arrears can occur. Sudden financial setbacks or unexpected life events can make it challenging for individuals to keep up with their mortgage obligations. 

 

Borrowers should be aware of the legal rights of mortgage lenders, which allow them to repossess the property within 90 to 180 days of the borrower falling into arrears.

Can mortgage arrears be written off?

While some borrowers may consider seeking complete debt forgiveness, mortgage lenders are generally reluctant to write off debts entirely. They are more inclined to accept a repayment plan that involves either a lump sum or regular instalments.

 

Communication with the mortgage lender is key and it is advisable to seek professional advice and guidance from debt counsellors to understand the available options and create a realistic plan for repayment.

Will my property be repossessed if I miss a mortgage repayment?

If you miss a mortgage repayment, you should not have to worry about repossessed property. Repossession should always be the last resort that your lender takes when it comes to dealing with mortgage arrears. 

 

The majority of lenders will not start the repossession process until you have missed at least 3 repayments. Even then, many will delay if you agree to a mortgage repayment plan.

How does the house repossession process occur?

You may be wondering how the process of repossessing property works. Below we take a quick look at a breakdown of the process and what you can expect if you are going through the house repossession process: 

 

  1. You will first go into arrears with your lender. This means you have missed a mortgage payment and are now behind on your loan. 
  2. If you continue to fall behind on your mortgage repayments, you will continue to be in arrears. At this point, your lender may take court action to try and resolve the matter. 
  3. A court hearing will take place where a judge will hear the reasons why your house should or should not be repossessed. 
  4. If you fail to show up for this hearing, then the judge will more than likely rule for outright repossession. If you attend the hearing, then the judge will hear your case and a decision will be reached. 
  5. Once the court has deliberated your case, they will potentially issue a possession order. It may be a suspended order, which means that an agreement will be made to make up these mortgage arrears. 
  6. If you breach this suspended order, then bailiffs will be sent to your home. 
  7. Once this has occurred, repossession will happen, and your lender will sell your property. 

What do you do if you are in mortgage arrears?

In the event of mortgage arrears, proactive measures should be taken to help resolve the situation as soon as possible. This could include:

Communicating promptly with the mortgage lender, as they may be willing to negotiate payment terms or alter the payment schedule. Most mortgage lenders will give you a grace period of 5 to fifteen days after your last mortgage payment was due if you are struggling.  

 

Even if you cannot meet the payment deadlines, you may be able to pay it late but still be charged a late fee. The late charging fee is usually between 5% and 10% of your monthly mortgage payment amount, which stacks up over time if you continue to miss payments.

Exploring insurance coverage, such as a mortgage payment protection insurance, can also provide relief in cases of unexpected income loss due to illness, injury or redundancy.

Reassessing your expenditure and adopting cost-cutting measures can help alleviate financial strain. This could involve evaluating and potentially eliminating non-essential expenses, renegotiating service contracts or seeking better deals for energy and food.

Can you reduce your monthly payments?

Yes, you can reduce your monthly mortgage payments, all you need to do is contact your current mortgage lender. They can refuse your offer for a lower interest rate, but this won’t harm your credit score. We would recommend that you seek the help of a mortgage advisor or broker who can offer more information tailored to your specific situation.

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Can you sell your house if the mortgage is in arrears?

For people considering selling their homes to settle mortgage arrears, it is strongly recommended to initiate this process before the property falls into the risk of repossession. 

 

Taking proactive steps to sell the property before it reaches the point of repossession can help prevent potential financial shortfalls and alleviate the burden of solicitor costs. 

 

By proactively managing the sale, homeowners can secure a more favourable sale price, and allow them to clear their outstanding mortgage balance and any associated arrears.

What happens if you sell a house with an outstanding mortgage?

When selling a property with an outstanding mortgage, there’s several options available depending on the terms and conditions of your mortgage agreement. These options may include paying off the remaining mortgage balance, porting the mortgage to a new property, or entirely remortgaging. 

 

Seeking guidance from a mortgage broker can provide clarity on the most suitable course of action based on circumstances. In cases where the proceeds from the property sale are insufficient to cover the remaining mortgage, it may be necessary to negotiate a short sale with the mortgage company to settle the debt.

Is selling your home to avoid house repossession a last resort?

If you are facing house repossession, then there are steps that you can take to try and stop the process. Selling your home should not be your first port of call, however, if you are going to do so, it is best to sell as soon as you can. 

 

Before you decide to sell your home to stop repossessed property, you should consider some of the following steps: 

 

  • Speak to your lender about your situation 
  • Seek out support from external sources such as Citizens Advice, Shelter, National Debtline or your local council 
  • Pay what you can for the overdue payments 
  • Turn to family and friends for support 
  • Apply for universal credit 

Can I have my property repossessed voluntarily?

You do have the option to have your property voluntarily possessed. This means handing back the keys to your lender and moving out. Once you have handed in your keys, you will still be responsible for mortgage interest, building insurance, and maintenance costs until it is sold. 

 

However, it is worth bearing in mind that if you decide to go down this route, it can affect your: 

 

  • Benefits 
  • Credit rating 
  • Options if you need housing help from your council

How can you avoid repossession of your home?

To prevent the distressing possibility of home repossession due to missed mortgage payments and mortgage arrears, there are several proactive measures that can be taken, including exploring the option of selling your property. 

 

Our dedicated service offers a streamlined house selling solution that ensures a swift sale process, with the flexibility of selling in as little as 28 days. By using our service, you can rest assured that we prioritise securing the highest possible price for your home, providing you with a reliable avenue to settle your mortgage arrears and regain financial stability.

 

One of the key advantages of our service is the coverage of all costs associated with the sale of a property. From solicitor fees to marketing expenses, we cover everything, enabling you to navigate the process without any additional financial strain.

 

Whether you prefer a traditional open market sale or a discrete off-market transaction, we accommodate your timeline and objectives, ensuring a tailored approach that aligns with your preferences and needs. 

 

Our commitment to providing a seamless and cost-free experience aims to alleviate the pressure of potential repossession, offering you a viable and stress-free solution to protect your financial well-being.

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