Stop Repossession. Sell in 7 Days.
No estate agents. No mortgage arrears chasing. Just a fast, confidential cash sale — completed in as little as 7 days.
- A completed sale ends repossession — your mortgage is repaid in full
- Completions in as little as 7 days*
- Written offer · no fees · no obligation
*Timescale depends on legal checks and your lender's redemption process. We confirm your completion date in writing before you commit to anything.
✓ No obligation ✓ No fees ✓ We cover legal costs
Start your free assessment
Prefer to talk? Call 0800 135 7004 — Mon–Sat 8am–8pm
- Our own funds — ready to move today
- Valuation started within hours
- Written offer, typically within 24 hours
- A completed sale repays your lender in full
Can Repossession Be Stopped?
Yes — a completed sale stops repossession, because the lender is repaid in full and there is nothing left to repossess. The critical question is time: whether a sale can complete before the legal process runs out. That depends on the stage you've reached, your lender, and how quickly your buyer can move. It's also worth knowing your other options — a payment arrangement with your lender, or free independent debt advice — because a sale isn't right for everyone.
Important: This page describes the position in England and Wales. Repossession works differently in Scotland and Northern Ireland. Information here is general and is not legal, mortgage or debt advice.
Where we come in: the moment a purchase is agreed, we produce the paperwork that matters — proof of funds, a memorandum of sale, and a fixed completion timetable. That's what your solicitor puts in front of your lender or the court to ask for proceedings to be paused while the sale completes. It's the strongest card you can play, and we produce it fast.
How Selling to Us Works
Tell us about the property
Two minutes online or one phone call. We'll tell you straight away if we can't help — we won't waste time you don't have.
We assess it the same day
Desktop valuation starts within hours. We look at the property, your mortgage position, and how much time the legal process has left.
Written offer, typically within 24 hours
The price, the completion date, and every cost — in writing. The figure we offer is the figure you receive. Nothing is deducted later.
Solicitors complete — your lender is repaid in full
Independent solicitors handle the legal work. On completion day your mortgage and arrears are cleared, the repossession ends, and any remaining equity is transferred to you.
Why Sell Directly to Us?
Built for short timescales
We buy at every stage — from first missed payment to a listed eviction date. The more time available, the more we can do, so the best day to call is today.
No estate agent commission
We do not charge an estate agent commission for buying the property directly.
No pressure
Requesting an assessment does not oblige you to accept an offer or proceed with a sale.
A discreet process
No public listing, no 'For Sale' board, no viewings paraded past the neighbours. A private sale, handled quietly between you, us and the solicitors.
The Stage You Are At Matters
The pattern at every stage is the same: more time means more options. Contact us at the first letter, not the last.
| Stage | Information |
|---|---|
| Mortgage arrears | Contact your lender and seek advice early. More options may be available before court proceedings begin. |
| Court papers received | Do not ignore the documents. Obtain independent legal or debt advice and respond within the stated timescale. |
| Court hearing arranged | Attend the hearing unless your legal adviser tells you otherwise. A property assessment can take place alongside discussions with your lender. |
| Possession order made | Time may be limited. Obtain legal advice immediately and confirm any proposed sale with your lender and solicitor. |
| Eviction date received | Seek urgent legal assistance. A property buyer must not promise that a sale will complete or that an eviction will be stopped. |
Mortgage arrears
Contact your lender and seek advice early. More options may be available before court proceedings begin.
Court papers received
Do not ignore the documents. Obtain independent legal or debt advice and respond within the stated timescale.
Court hearing arranged
Attend the hearing unless your legal adviser tells you otherwise. A property assessment can take place alongside discussions with your lender.
Possession order made
Time may be limited. Obtain legal advice immediately and confirm any proposed sale with your lender and solicitor.
Eviction date received
Seek urgent legal assistance. A property buyer must not promise that a sale will complete or that an eviction will be stopped.
We cannot guarantee that a sale will stop court action or an eviction. The outcome depends on the legal position, your lender, the property and the time available.
About Repossession Cash Buyers
Repossession Cash Buyers is a UK property-buying company that considers direct purchases from homeowners who need a clear and potentially faster alternative to an estate-agent sale.
We explain the proposed price and process before asking anyone to proceed. The legal sale is handled through solicitors, and homeowners remain free to obtain independent advice.
Read more about us"I was facing repossession and didn't know where to turn. Just Sourced stepped in, stopped the process, and I had the cash in my account within 7 days. I can finally move on with my life."
"Straightforward, no pressure, and they paid our legal costs. Exactly what they promised."
"Called on a Thursday, had a written offer by Friday. Completed before the court date."
Understand Your Options
Plain-English guides covering every stage of repossession in England and Wales.
Frequently Asked Questions About Stopping Repossession
No. No property buyer can guarantee the outcome of court action or an eviction. We can assess whether a purchase may be achievable within the time available, but you should also speak with your lender and obtain independent legal or debt advice.
Yes — when a sale completes in time, the mortgage and secured debts are repaid in full and the repossession ends, because there is nothing left for the lender to repossess. The critical factor is time: whether completion can happen before the legal process concludes. That depends on the stage reached, your lender and the speed of the sale — which is exactly what we assess first.
It may be possible to sell while your mortgage is in arrears. Your solicitor will need to confirm the amount required to repay the mortgage and any other secured borrowing. If the sale proceeds are insufficient, you may need your lender's agreement and independent advice.
A sale may still be possible after court proceedings begin, but the available time and legal position are important. Do not ignore court documents. Contact your lender, attend any hearing and seek legal advice while the proposed sale is being assessed.
It may still be possible in some circumstances, but there is no guarantee. You should obtain urgent legal advice and ensure your lender and solicitor know about any proposed sale.
Completions can happen in as little as 7 days where the title is clean and the lender's redemption figure is confirmed quickly. Most purchases complete within 2–4 weeks. After reviewing your property we give you a realistic written date — and because we buy with our own funds, that date doesn't depend on a chain or a mortgage approval.
We consider the property's location, condition, comparable evidence, likely resale value, required work, legal risk and requested completion speed. A direct purchase offer may be below the amount that could potentially be achieved through a longer estate-agent sale.
We do not charge an estate agent commission. Before you proceed, we confirm in writing exactly which legal and other costs we will pay, so there are no surprises in the completion statement.
No. Requesting an assessment or receiving an offer does not oblige you to sell. You may decline the proposal and should take independent legal advice before entering a binding agreement.
If the expected sale proceeds will not repay the mortgage and other secured borrowing, the sale may require your lender's agreement. Obtain independent debt and legal advice before proceeding.
No. Our purchases complete with vacant possession and an agreed moving date. We do not offer sale-and-rent-back arrangements, which are regulated by the Financial Conduct Authority.
We currently buy in England and Wales. Repossession law in Scotland and Northern Ireland is different, and this page describes the England and Wales process. Use the enquiry form to tell us where the property is and we'll confirm whether we can consider it.
Free information may be available from MoneyHelper, Shelter, Citizens Advice, National Debtline and official government services. Speak with an independent adviser or solicitor if court proceedings or an eviction date are involved.