{"id":1507,"date":"2026-10-19T08:47:29","date_gmt":"2026-10-19T07:47:29","guid":{"rendered":"https:\/\/www.springbokproperties.co.uk\/blog\/?p=1507"},"modified":"2026-10-19T08:47:29","modified_gmt":"2026-10-19T07:47:29","slug":"part-exchange-vs-cash-sale","status":"publish","type":"post","link":"https:\/\/www.springbokproperties.co.uk\/blog\/part-exchange-vs-cash-sale","title":{"rendered":"Part Exchange House vs Cash Sale: Which Pays You More?"},"content":{"rendered":"<div class=\"sbk\" style=\"color: #0f2b26; font-size: 17px; line-height: 1.7;\">\n<style>\n.sbk{color:#0f2b26;font-size:17px;line-height:1.7}<br \/>\n.sbk p{color:#20332e;font-size:17px;line-height:1.75;margin:0 0 18px}<br \/>\n.sbk h2{color:#0b6b53;font-size:27px;line-height:1.28;font-weight:700;margin:38px 0 14px}<br \/>\n.sbk h3{color:#0f2b26;font-size:20px;line-height:1.35;font-weight:700;margin:26px 0 10px}<br \/>\n.sbk a{color:#0b6b53;text-decoration:underline}<br \/>\n.sbk a:hover{color:#083f31}<br \/>\n.sbk strong{color:#0f2b26;font-weight:700}<br \/>\n.sbk ul{margin:0 0 20px;padding-left:22px}<br \/>\n.sbk ol{margin:0 0 20px;padding-left:22px}<br \/>\n.sbk li{color:#20332e;font-size:17px;line-height:1.7;margin:0 0 9px}<br \/>\n.sbk .tldr{background:#f4f9f7;border:1px solid #e3ece9;border-left:5px solid #0b6b53;border-radius:14px;padding:20px 22px 6px;margin:26px 0 30px}<br \/>\n.sbk .tldr h2{margin:0 0 12px;font-size:19px;color:#0b6b53;letter-spacing:.02em;text-transform:uppercase}<br \/>\n.sbk .tldr ul{margin:0 0 14px;padding-left:20px}<br \/>\n.sbk .tldr li{margin:0 0 10px;font-size:16.5px}<br \/>\n.sbk table{width:100%;border-collapse:collapse;margin:24px 0 28px;font-size:16px}<br \/>\n.sbk caption{caption-side:top;text-align:left;font-size:14px;color:#5b6b66;padding:0 0 8px}<br \/>\n.sbk thead th{background:#0b6b53;color:#ffffff;text-align:left;font-weight:700;font-size:15px;padding:12px 14px;border:1px solid #0b6b53}<br \/>\n.sbk tbody th{background:#f4f9f7;color:#0f2b26;text-align:left;font-weight:700;padding:12px 14px;border:1px solid #e3ece9;width:26%}<br \/>\n.sbk td{color:#20332e;padding:12px 14px;border:1px solid #e3ece9;vertical-align:top}<br \/>\n.sbk tbody tr:nth-child(even) td{background:#fbfdfc}<br \/>\n.sbk tbody tr:nth-child(even) th{background:#eef6f3}<br \/>\n.sbk .callout{background:#fff8ec;border:1px solid #f0dfc2;border-radius:12px;padding:16px 18px 2px;margin:22px 0 26px}<br \/>\n.sbk .callout p{margin:0 0 14px;font-size:16.5px}<br \/>\n.sbk .faq h3{color:#0b6b53;font-size:19px;margin:24px 0 8px}<br \/>\n.sbk .updated{color:#5b6b66;font-size:14px;border-top:1px solid #e3ece9;margin:34px 0 0;padding:14px 0 0}<br \/>\n.sbk .ytwrap{position:relative;padding-bottom:56.25%;height:0;margin:24px 0 6px;border-radius:14px;overflow:hidden;box-shadow:0 18px 44px -30px rgba(6,35,31,.55);border:1px solid #e3ece9}<br \/>\n.sbk .ytwrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}<br \/>\n.sbk .ytcap{font-size:13px;color:#5b6b66;margin:0 0 24px;text-align:center}<br \/>\n.sbk figure{margin:0}<br \/>\n<\/style>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Part exchange pays roughly 80% to 90% of market value but only works if you buy a new build from that developer. A cash sale pays a similar figure with no eligibility rules and no tie to one estate.<\/p>\n<div class=\"tldr\" style=\"background: #f4f9f7; border: 1px solid #e3ece9; border-left: 5px solid #0b6b53; border-radius: 14px; padding: 20px 22px 6px; margin: 26px 0 30px;\">\n<h2 style=\"color: #0b6b53; font-size: 19px; line-height: 1.28; font-weight: bold; margin: 0 0 12px; letter-spacing: .02em; text-transform: uppercase;\">Key takeaways<\/h2>\n<ul style=\"margin: 0 0 14px; padding-left: 20px; list-style: disc outside;\">\n<li style=\"color: #20332e; font-size: 16.5px; line-height: 1.7; margin: 0 0 10px;\">UK house-builder part-exchange offers typically land at 80% to 90% of open-market value, a discount of 10% to 20%. Independent part-exchange providers sit slightly lower at 80% to 85%.<\/li>\n<li style=\"color: #20332e; font-size: 16.5px; line-height: 1.7; margin: 0 0 10px;\">Part exchange is conditional on a purchase: Taylor Wimpey requires the home you part exchange to be worth no more than 70% of the new Taylor Wimpey home you are buying, and Persimmon applies a comparable 70% to 75% ceiling.<\/li>\n<li style=\"color: #20332e; font-size: 16.5px; line-height: 1.7; margin: 0 0 10px;\">New-build homes in Great Britain sold for an average of 30% more than existing homes in 2026, according to research by UK Property Development reported on 6 August 2026 \u2014 so a part exchange discounts the home you sell and adds a premium to the home you buy.<\/li>\n<li style=\"color: #20332e; font-size: 16.5px; line-height: 1.7; margin: 0 0 10px;\">A cash sale to a principal buyer such as Springbok Properties completes in about 7 to 28 days, charges the seller no fee, and does not require you to buy anything at all.<\/li>\n<li style=\"color: #20332e; font-size: 16.5px; line-height: 1.7; margin: 0 0 10px;\">Certainty is the shared benefit. TwentyEA put the UK fall-through rate at 23.7% in the first quarter of 2026 \u2014 roughly one agreed sale in four collapses \u2014 and both routes remove that risk by replacing the open-market buyer with a funded one.<\/li>\n<\/ul>\n<\/div>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">Part exchange vs cash sale at a glance<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 24px 0 28px; font-size: 16px;\">\n<caption style=\"caption-side: top; text-align: left; font-size: 14px; color: #5b6b66; padding: 0 0 8px;\">House-builder part exchange compared with a direct cash sale, UK, September 2026.<\/caption>\n<thead>\n<tr>\n<th style=\"background: #0b6b53; color: #ffffff; text-align: left; font-weight: bold; font-size: 15px; padding: 12px 14px; border: 1px solid #0b6b53;\" scope=\"col\"><\/th>\n<th style=\"background: #0b6b53; color: #ffffff; text-align: left; font-weight: bold; font-size: 15px; padding: 12px 14px; border: 1px solid #0b6b53;\" scope=\"col\">Developer part exchange<\/th>\n<th style=\"background: #0b6b53; color: #ffffff; text-align: left; font-weight: bold; font-size: 15px; padding: 12px 14px; border: 1px solid #0b6b53;\" scope=\"col\">Direct cash sale<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Typical price achieved<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">80% to 90% of market value<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Commonly 80% to 85% of market value<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #eef6f3; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Do you have to buy something?<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Yes \u2014 you must be buying a new build from that developer<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">No \u2014 you can move anywhere, rent, or not move at all<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Choice of onward property<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Restricted to that builder&#8217;s current plots<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Unrestricted, including second-hand homes<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #eef6f3; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Eligibility rules<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Strict: value ceiling, condition, lease length, construction type<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Minimal: most conditions and tenures considered<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Time to complete<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Tied to the build programme; contracts often exchanged in about 4 weeks<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Typically 7 to 28 days, set by you<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #eef6f3; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Estate agent fees<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">None<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">None<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Legal fees<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Often a contribution from the developer<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Covered in full by a reputable cash buyer<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #eef6f3; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Chain risk<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Removed<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Removed<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Main drawback<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">You pay a new-build premium on the home you buy<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">You accept below market value on the home you sell<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">What is part exchange on a house?<\/h2>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Part exchange is an arrangement in which a house builder buys your existing home and deducts its agreed value from the price of a new-build property you are purchasing from them. It is a purchase incentive, not a standalone way to sell.<\/p>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">The mechanics are consistent across the big builders. You reserve a new-build plot, the developer commissions independent valuations of your current home \u2014 Barratt Homes states it arranges <strong style=\"color: #0f2b26; font-weight: bold;\">two independent valuations<\/strong> and prices the offer on a presumed sale within 8 to 10 weeks \u2014 and it then makes a single, largely non-negotiable offer. If you accept, both transactions complete on the same day, so you stay in your existing home until the new one is ready.<\/p>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Because the developer becomes your buyer, there is no chain, no marketing period and no viewings. That is the same structural advantage a <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/what-does-it-mean-to-sell-a-house-for-cash\">genuine cash sale<\/a> gives you \u2014 with one significant difference. Part exchange is only available if you commit to buying a specific new home from a specific builder.<\/p>\n<figure style=\"margin: 0;\">\n<div class=\"ytwrap\" style=\"position: relative; padding-bottom: 56.25%; height: 0; margin: 24px 0 6px; border-radius: 14px; overflow: hidden; box-shadow: 0 18px 44px -30px rgba(6,35,31,.55); border: 1px solid #e3ece9;\"><iframe style=\"position: absolute; inset: 0; width: 100%; height: 100%; border: 0; top: 0; left: 0;\" title=\"Springbok seller review \u2014 Laura\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/2vblzRVVapA\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div><figcaption class=\"ytcap\" style=\"font-size: 13px; color: #5b6b66; margin: 0 0 24px; text-align: center;\">Real Springbok seller \u2014 Laura<\/figcaption><\/figure>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">How much do you lose if you part exchange your house?<\/h2>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Expect to give up 10% to 20% of open-market value. On a home worth \u00a3250,000 that is \u00a325,000 to \u00a350,000, taken as a lower purchase price rather than as a fee you can see on an invoice.<\/p>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">The discount exists for a reason: the builder is buying an asset it does not want, at its own risk, and will have to resell it on the open market at a cost. That is the same logic that drives <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/how-much-below-market-value\">how much below market value cash buyers offer<\/a>. Neither route is a con \u2014 you are buying speed and certainty, and both are priced.<\/p>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Where part exchange is genuinely misleading is the &#8220;no estate agent fees&#8221; headline. Saving a 1% to 1.5% agent commission is real, but it is dwarfed by a 10% to 20% valuation discount. On that \u00a3250,000 home you would save roughly \u00a32,500 to \u00a33,750 in commission while giving up \u00a325,000 to \u00a350,000 in price. The <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/hidden-costs-estate-agent\">hidden costs of selling with an estate agent<\/a> are worth counting, but they do not close a gap that size.<\/p>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">Can you part exchange your house? The rules developers actually apply<\/h2>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Most homeowners who ask about part exchange do not qualify. Builders only take properties they are confident of reselling quickly, and they publish value ceilings that rule out a large share of the market.<\/p>\n<ul style=\"margin: 0 0 20px; padding-left: 22px; list-style: disc outside;\">\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">A value ceiling tied to your purchase.<\/strong> Taylor Wimpey states the home you part exchange must be worth <strong style=\"color: #0f2b26; font-weight: bold;\">no more than 70%<\/strong> of the new Taylor Wimpey home you buy. Persimmon applies a comparable 70% to 75% test, and Redrow requires your home to be worth less than the new Redrow home. In practice you must be trading up significantly.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">Lease length.<\/strong> Taylor Wimpey&#8217;s terms exclude leasehold properties with fewer than 85 years remaining. Short leases are a common disqualifier across the sector.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">Construction type and condition.<\/strong> Non-standard construction, structural defects, damp and significant disrepair are routinely declined. Builders want a straightforward resale.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">Property type.<\/strong> Flats, shared-ownership homes and properties with Help to Buy or other charges attached are frequently excluded.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">Location and saleability.<\/strong> If the property sits in a slow local market, the developer simply says no.<\/li>\n<\/ul>\n<div class=\"callout\" style=\"background: #fff8ec; border: 1px solid #f0dfc2; border-radius: 12px; padding: 16px 18px 2px; margin: 22px 0 26px;\">\n<p style=\"color: #20332e; font-size: 16.5px; line-height: 1.75; margin: 0 0 14px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">Check which scheme you are actually being offered.<\/strong> Barratt runs both a Part Exchange Guarantee, where it buys your home, and <strong style=\"color: #0f2b26; font-weight: bold;\">Part Exchange Xtra<\/strong>, where it nominates an estate agent to market your home first and only becomes your buyer if that marketing fails. The second is an assisted sale, not a guaranteed purchase \u2014 the certainty arrives later, if at all. Ask which one is on the table before you reserve a plot.<\/p>\n<\/div>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">The double discount nobody mentions: the new-build premium<\/h2>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Part exchange discounts the home you sell and, separately, attaches a premium to the home you buy. New-build homes in Great Britain sold for an average of <strong style=\"color: #0f2b26; font-weight: bold;\">30% more<\/strong> than existing homes in 2026, according to research by UK Property Development published on 6 August 2026 \u2014 up from an estimated 23.8% a decade earlier.<\/p>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">That premium is not evenly spread. The same research puts it at 60% in the North East, 55.4% in Scotland, 44.7% in Wales, 41.8% in the East Midlands and 28.9% across England as a whole. London is the sole exception, where new builds sold for 10.5% <em>less<\/em> than existing homes.<\/p>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">So a homeowner in the North East part exchanging a \u00a3250,000 house is potentially accepting around \u00a3212,500 for it while paying a premium-priced new build on the other side of the same transaction. That is a defensible choice if the new home&#8217;s energy efficiency, warranty and low maintenance matter to you \u2014 but it should be a choice you make with the numbers in front of you, not an assumption that &#8220;no fees&#8221; means &#8220;no cost&#8221;.<\/p>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">Part exchange vs cash sale: how the money compares on a \u00a3250,000 home<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 24px 0 28px; font-size: 16px;\">\n<caption style=\"caption-side: top; text-align: left; font-size: 14px; color: #5b6b66; padding: 0 0 8px;\">Illustrative comparison on a home valued at \u00a3250,000 on the open market. Figures are typical ranges, not quotations \u2014 your own offer will depend on condition, location and demand.<\/caption>\n<thead>\n<tr>\n<th style=\"background: #0b6b53; color: #ffffff; text-align: left; font-weight: bold; font-size: 15px; padding: 12px 14px; border: 1px solid #0b6b53;\" scope=\"col\">Line<\/th>\n<th style=\"background: #0b6b53; color: #ffffff; text-align: left; font-weight: bold; font-size: 15px; padding: 12px 14px; border: 1px solid #0b6b53;\" scope=\"col\">Developer part exchange<\/th>\n<th style=\"background: #0b6b53; color: #ffffff; text-align: left; font-weight: bold; font-size: 15px; padding: 12px 14px; border: 1px solid #0b6b53;\" scope=\"col\">Direct cash sale<\/th>\n<th style=\"background: #0b6b53; color: #ffffff; text-align: left; font-weight: bold; font-size: 15px; padding: 12px 14px; border: 1px solid #0b6b53;\" scope=\"col\">Estate agent sale<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Price agreed<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">\u00a3200,000 to \u00a3225,000<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">\u00a3200,000 to \u00a3212,500<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">\u00a3250,000 (asking)<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #eef6f3; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Agent commission<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">\u00a30<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">\u00a30<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">\u00a32,500 to \u00a33,750 plus VAT<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Legal fees<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Developer contribution, often partial<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Covered by the buyer<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">\u00a31,000 to \u00a31,800<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #eef6f3; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Time to money<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Tied to the build programme<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">7 to 28 days<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Commonly 4 to 6 months<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #f4f9f7; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Risk of no sale<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Removed once accepted<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">Removed once accepted<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top;\">About 1 in 4 agreed sales fall through<\/td>\n<\/tr>\n<tr>\n<th style=\"background: #eef6f3; color: #0f2b26; text-align: left; font-weight: bold; padding: 12px 14px; border: 1px solid #e3ece9; width: 26%;\" scope=\"row\">Must you buy a new build?<\/th>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">Yes<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">No<\/td>\n<td style=\"color: #20332e; padding: 12px 14px; border: 1px solid #e3ece9; vertical-align: top; background: #fbfdfc;\">No<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">The headline numbers are closer than most people expect. The real separator is not price \u2014 it is whether tying your sale to one builder&#8217;s stock suits your move. For a fuller like-for-like on the third column, see our comparison of a <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/cash-buyer-vs-estate-agent\">cash buyer versus an estate agent<\/a>.<\/p>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">When part exchange is the better choice<\/h2>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Part exchange wins when you already want a specific new build and your home comfortably clears the developer&#8217;s value ceiling. In that situation the scheme is doing real work for you.<\/p>\n<ul style=\"margin: 0 0 20px; padding-left: 22px; list-style: disc outside;\">\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\">You are trading up and your current home is worth well under 70% of the new one.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\">You want the warranty, energy efficiency and low maintenance of a new build enough to accept the premium knowingly.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\">Your property is mainstream, freehold, in good order and easy to resell.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\">You need to stay put until the new home is finished, and same-day completion matters more than headline price.<\/li>\n<\/ul>\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">When a cash sale beats part exchange<\/h2>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">A cash sale wins whenever the purchase side is the problem \u2014 which is most of the time. It separates selling from buying, so nothing about your onward move constrains the sale.<\/p>\n<ul style=\"margin: 0 0 20px; padding-left: 22px; list-style: disc outside;\">\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">You are not buying a new build.<\/strong> Downsizing, renting, relocating, emigrating or simply cashing in \u2014 part exchange is unavailable in every one of these cases.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">Your home would be declined.<\/strong> Short lease, non-standard construction, needs work, tenanted, or above the value ceiling. Reputable cash buyers consider properties builders will not touch.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">You need a date you control.<\/strong> Part-exchange completion follows the build programme. A cash sale completes in as little as <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/sell-house-in-7-days\">7 days<\/a>, on a date you set.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">You want to keep your options open.<\/strong> Selling first and buying later makes you a chain-free buyer, which is leverage on any purchase \u2014 new build or second-hand.<\/li>\n<li style=\"color: #20332e; font-size: 17px; line-height: 1.7; margin: 0 0 9px;\"><strong style=\"color: #0f2b26; font-weight: bold;\">You want a comparable offer before deciding.<\/strong> Getting a cash figure costs nothing and gives you a genuine benchmark against the developer&#8217;s number.<\/li>\n<\/ul>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Springbok Properties is a principal buyer, a member of the National Association of Property Buyers (NAPB) and regulated by <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.tpos.co.uk\/\" rel=\"nofollow\">The Property Ombudsman<\/a>. If you are weighing a developer&#8217;s offer, our guides to <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/how-does-we-buy-any-house-work\">how a we-buy-any-house sale works<\/a> and <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/are-cash-house-buyers-legit\">whether cash house buyers are legitimate<\/a> explain what to check before you commit to either route.<\/p>\n<figure style=\"margin: 0;\">\n<div class=\"ytwrap\" style=\"position: relative; padding-bottom: 56.25%; height: 0; margin: 24px 0 6px; border-radius: 14px; overflow: hidden; box-shadow: 0 18px 44px -30px rgba(6,35,31,.55); border: 1px solid #e3ece9;\"><iframe style=\"position: absolute; inset: 0; width: 100%; height: 100%; border: 0; top: 0; left: 0;\" title=\"Springbok seller review \u2014 Iain\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/vQYiwoRZE9I\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div><figcaption class=\"ytcap\" style=\"font-size: 13px; color: #5b6b66; margin: 0 0 24px; text-align: center;\">Real Springbok seller \u2014 Iain<\/figcaption><\/figure>\n<div class=\"faq\">\n<h2 style=\"color: #0b6b53; font-size: 27px; line-height: 1.28; font-weight: bold; margin: 38px 0 14px;\">Part exchange vs cash sale: frequently asked questions<\/h2>\n<h3 style=\"color: #0b6b53; font-size: 19px; line-height: 1.35; font-weight: bold; margin: 24px 0 8px;\">Is part exchanging a house a good idea?<\/h3>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Part exchange is a good idea if you are already committed to buying a new build, your home clears the developer&#8217;s value ceiling, and speed matters more than price. It is a poor idea if you are not buying new, because you accept a 10% to 20% discount for a benefit you cannot use.<\/p>\n<h3 style=\"color: #0b6b53; font-size: 19px; line-height: 1.35; font-weight: bold; margin: 24px 0 8px;\">How much do you lose if you part exchange your house?<\/h3>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Typically 10% to 20% of open-market value, as builders offer around 80% to 90%. On a \u00a3250,000 home that is \u00a325,000 to \u00a350,000. Saved estate agent commission of roughly \u00a32,500 to \u00a33,750 offsets only a small part of it.<\/p>\n<h3 style=\"color: #0b6b53; font-size: 19px; line-height: 1.35; font-weight: bold; margin: 24px 0 8px;\">How do you qualify for part exchange homes?<\/h3>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Your home must usually be worth no more than 70% of the new build you are buying, be freehold or long-leasehold with 85 years or more remaining, be of standard construction and be in good, readily saleable condition. Flats, shared ownership and properties needing work are commonly declined.<\/p>\n<h3 style=\"color: #0b6b53; font-size: 19px; line-height: 1.35; font-weight: bold; margin: 24px 0 8px;\">Is it worth accepting less on a house part exchange?<\/h3>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">It is worth it when the discount buys something you actually need: a guaranteed sale, a same-day move into a finished new home, and no chain. Compare the developer&#8217;s figure with a no-obligation cash offer first, because a cash sale delivers the same certainty without tying you to one builder.<\/p>\n<h3 style=\"color: #0b6b53; font-size: 19px; line-height: 1.35; font-weight: bold; margin: 24px 0 8px;\">Can you part exchange a house for a cheaper one?<\/h3>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Rarely. Developer schemes are built around trading up, with the new home typically needing to be at least 30% to 40% more valuable than the one you part exchange. If you are downsizing, a cash sale or an open-market sale is almost always the practical route.<\/p>\n<h3 style=\"color: #0b6b53; font-size: 19px; line-height: 1.35; font-weight: bold; margin: 24px 0 8px;\">Do you still pay stamp duty on a part exchange?<\/h3>\n<p style=\"color: #20332e; font-size: 17px; line-height: 1.75; margin: 0 0 18px;\">Yes. Stamp Duty Land Tax is calculated on the full purchase price of the new build, not on the cash difference between the two properties. Part exchange changes how you fund the purchase; it does not change the tax due on it.<\/p>\n<\/div>\n<p class=\"updated\" style=\"color: #5b6b66; font-size: 14px; line-height: 1.75; margin: 34px 0 0; border-top: 1px solid #e3ece9; padding: 14px 0 0;\">Written by <a style=\"color: #0b6b53; text-decoration: underline;\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/about-dan-green\">Dan Green<\/a>, Springbok Properties. Last updated 8 September 2026. Springbok Properties Ltd is a member of the NAPB and regulated by The Property Ombudsman. Figures quoted are typical UK ranges for September 2026 and are not an offer or a valuation.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@graph\": [\n  {\n   \"@type\": \"BlogPosting\",\n   \"@id\": \"https:\/\/www.springbokproperties.co.uk\/blog\/part-exchange-vs-cash-sale#article\",\n   \"headline\": \"Part Exchange House vs Cash Sale: Which Pays You More?\",\n   \"description\": \"House-builder part exchange pays 80-90% of market value and only works if you buy a new build. 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See how it compares with a cash sale on price, speed, fees and eligibility.<\/p>\n","protected":false},"author":1,"featured_media":1597,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1507","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-selling"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Part Exchange House vs Cash Sale: Which Pays More?<\/title>\n<meta name=\"description\" content=\"Part exchange pays 80-90% of market value and only works if you buy a new build. 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