Simply enter your details below to get a no-obligation cash offer for your house.
SmoothSale is a trading name of PLH Capital Limited. Company number: 13115021 Registered Address: First Floor, Limewood House, 2 Limewood Way, Leeds LS14 1AB
We buy directly with cash, so you can complete a sale on your own terms, protect any equity you've built up, and avoid the impact of a forced repossession sale. We work directly with your lender and solicitor to move as quickly as your situation needs.
Facing repossession is one of the most stressful situations anyone can be in, and every week that passes narrows your options. Selling before your lender takes possession puts you back in control of the sale, the price, and what you walk away with.
Three steps. We move at the pace your situation needs.
Call us or submit the property postcode below, along with your situation. We assess the property and come back with a genuine cash offer, typically within 24 hours.
We appoint and pay for a solicitor to act on our behalf, and can work directly with your mortgage lender and legal team to move at the pace your court date requires.
Wherever possible, the sale completes before your repossession date. Funds are transferred directly, and you stay in control of the outcome rather than your lender.
A forced sale through repossession works in your lender's interest, not yours. Selling first keeps you in control.
| Repossession sale | SmoothSale | |
|---|---|---|
| Time to sell | 6 to 9 months through an estate agent | ✓ As little as 7 days |
| Sale price | Lenders typically sell at auction, often below market value | ✓ Genuine cash offer for the property |
| Your record | A repossession is recorded and can affect future borrowing | ✓ A private sale is a different event to a repossession |
| Who's in control | Your lender controls the process and the timeline | ✓ You choose the buyer and the completion date |
| Equity protection | Costs and shortfalls are deducted by the lender | ✓ We agree a price with you directly |
| Legal fees | You may remain liable for the lender's legal costs | ✓ We cover our own legal costs |
| Viewings | Multiple, arranged by the lender or receiver | ✓ One internal inspection |
| Speed | Court timelines are fixed and can't be extended easily | ✓ We move at whatever pace your date requires |
"We'd received a possession order and had a date set for the hearing. I didn't think there was time to do anything about it. SmoothSale had someone look at the house within two days, and we completed the sale nine days later, before the court date. We walked away with equity we would have lost completely if the lender had taken it."
Everything about the way we work is designed to help you regain control before your lender does.
Once you're ready, we can complete in as little as 7 days. We prioritise cases with a fixed court or repossession date.
Once we agree a price, the sale is guaranteed. No chains, no buyer pulling out, no risk of missing your date.
Selling directly to us means the price is agreed with you, not set at auction by your lender or a receiver.
We can speak to your mortgage lender and solicitor on your behalf, reducing the number of calls you need to make while everything else is going on.
If you have a hearing date or a warrant for possession, the clock is already running, and an estate agent sale is very unlikely to complete in time. We can often assess a property, agree a price, and complete before a possession order takes effect. Speak to us as early as possible: the more notice we have, the more options remain open to you. It's also worth speaking to your lender or a free debt advice service such as StepChange or National Debtline, as they may be able to help pause proceedings while a sale is agreed.
Straightforward answers to the things that matter most.
In many cases, yes. We can often assess a property and agree a price within 24 hours, and complete in as little as 7 days once terms are agreed. The earlier you contact us, the more time we have to work to your date. We can't guarantee an outcome with your court proceedings, but a genuine, evidenced sale in progress is something you and your solicitor can raise with the court or your lender.
A private sale is a different event to a repossession and is not recorded on your credit file in the same way. We're not able to advise on your specific credit position, so if this is a concern, it's worth raising it with a free debt advice service such as StepChange or National Debtline alongside speaking to us.
We can still make you a cash offer for the property. Whether there's a shortfall between the sale price and what's owed depends on your mortgage balance and our offer, and this is something to work through with your lender or a solicitor as part of the sale.
Yes. Your lender needs to be informed, as they hold a charge over the property and their agreement (or the redemption of the mortgage) is needed to complete any sale. We're happy to liaise with your lender directly alongside your solicitor to keep this moving.
We'll always be upfront about what's achievable based on the outstanding mortgage balance and our assessment of the property. In some cases, retaining even a small amount of equity through a private sale is preferable to losing it entirely through a forced sale.
As little as 7 days from an agreed offer, and we prioritise cases with a fixed repossession or court date. We appoint and pay for a solicitor to act for us, which removes one of the biggest sources of delay in a normal sale.
Yes. We can liaise directly with your lender and your solicitor throughout, so you have fewer calls to make and fewer conversations to manage while you're already dealing with a difficult situation.
Have a question that isn't covered here?
Call us free on 0800 368 8952Tell us the property postcode and we'll come back to you within 2 hours with a genuine cash offer. If you have a court date, let us know so we can prioritise your case.
We cover all of England and Wales.
