UK Cash House Buyer
Company Reviews

A cash house buying company purchases your property directly using their own funds, without needing a mortgage or buyer chain. This typically allows sales to complete in days or weeks rather than months. In exchange for this speed and certainty, sellers usually accept an offer below full market value — typically 75–85%.

The sector is not formally regulated by the FCA, but reputable companies voluntarily join the National Association of Property Buyers (NAPB) and register with The Property Ombudsman (TPO). These memberships require adherence to a code of practice and provide sellers with a complaints process. Always check membership before proceeding.

Most cash buyers offer between 75% and 85% of market value, though this varies by company, property type, location, and condition. Some offers fall below this range, particularly after surveys or legal checks. Always get multiple valuations before accepting any offer.

Key factors to compare include: NAPB/TPO membership, verified Trustpilot and Google review scores, whether they buy directly or source third-party investors, whether the initial offer is fixed or subject to change, and what costs (legal fees, surveys) are covered. Reading independent reviews like those on this page is a good starting point.

Yes. Most cash buyers can purchase properties with outstanding mortgages. The proceeds from the sale are used to redeem the mortgage at completion. You should confirm this with the company and your mortgage lender before proceeding.