01902 288 161Local line · open 24/7 Get my cash offer
Clear what you owe, in as little as 7 days

Sell to clear the debt before it grows.

If the repayments have become unmanageable, the equity in your home can settle it quickly and cleanly. We buy directly, cover the fees, and keep the whole thing private.

  • Clear debts in one move. Mortgage, secured loans, CCJs and arrears settled at completion.
  • No waiting while interest builds. Seven days is achievable when the situation calls for it.
  • Completely confidential. No board outside, no listing, no viewings.
  • Protect your credit file. Settling before default or repossession is recorded matters.
7 daysFastest completion
24 hrsTo your first offer
£0Fees, ever
24/7Always open

Get your free cash offer

Takes under 60 seconds. No obligation, no pushy sales calls.

Step 1 of 4Your property

Please enter a valid UK postcode.

Your details are never sold or passed to third parties.

Please enter the house number and street.

Step 2 of 4A little detail
Step 3 of 4Where to send it

Please enter your name and a valid email address.

No spam. One valuation email and a single call. That is it.

Final stepAlmost done

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We will be in touch within 24 hours with your initial cash offer.

Thank you, we have got it.

A member of our local team will call you within 24 hours with your initial cash offer. If you need us sooner, call 01902 288 161. We are open 24/7.

ICO registered No obligation Never sold to third parties
A red brick 1930s semi-detached house on an ordinary West Midlands street
The kind of house we buy every week, across Walsall, Wolverhampton, Dudley and Birmingham.
Trustpilot Excellent: 5 out of 5
Google
No feesNot a penny, ever
No chainsOur own funds
Any conditionBought as-is
Fixed offer guaranteeNo last-minute drops
Free property clearanceLeave what you like
Solicitor fees paidStandard legals covered

Three steps.
Cash in your account.

No viewings on a loop, no boards outside your house, no waiting on somebody else’s mortgage. You deal with us directly from start to finish.

1

Tell us about the property

Postcode, address and a couple of quick questions. Under a minute, and nothing intrusive. We are open 24/7, so submit it at 2am if that suits you.

Takes 60 seconds
2

Get your initial offer in 24 hours

We check Land Registry sold prices, current listings and local demand, then call you with a clear figure and, where it applies, all three of your selling options.

Within 24 hours
3

Complete on your date

We instruct solicitors and cover the standard fees. Exchange and complete in as little as 7 days, or pick a date three months out. Your call, not ours.

From 7 days

Fast when you need it. Slow when you don’t.

Facing an eviction date? We can move in a week. Waiting on a Grant of Probate or a school term to end? We will hold the date open for you.

7 daysUrgent: repossession, eviction 14 daysChain break rescue 28 daysThe usual choice 3–6 months+Whenever suits you
Your three options

Not everyone should take the cash.
So we give you the choice.

Most cash buyers have one product: a low offer, take it or leave it. We put three routes on the table and tell you honestly which one puts the most money in your pocket.

Option 1

Instant Cash Offer

Maximum certainty and maximum speed. The right call when the deadline matters more than the last few thousand pounds.

  • Exchange and complete in as little as 7 days
  • Our own funds: no lender, no chain, no survey to fail
  • Solicitor fees paid and full clearance included
  • The figure we agree is the figure that completes
Option 2

Guaranteed Sale + Profit Share

A cash price locked in from day one, with a share of anything above it. You cannot lose, and you might gain.

  • We guarantee a baseline cash price in writing
  • We market it through our auction and open-market channels
  • Anything achieved above the baseline is split with you
  • If it does not sell higher, you still get the guaranteed price
Option 3

Zero-Cost Refurbish & Sell

We fund and manage a full refurbishment, sell it at the higher end value, and split the uplift. You pay nothing and do nothing.

  • We pay for every trade, every material, every skip
  • We handle the estate agents and the conveyancing
  • You never lift a paintbrush or spend a penny
  • Typically nets vendors 110–135% of their as-is market value
Option 1
Instant Cash Offer		 Option 2
Guaranteed Sale + Profit Share		 Option 3
Zero-Cost Refurbish & Sell
What you would typically get on a £150,000 as-is property £127,500 £138,000 typical £200,000 where refurb-suitable
Timeframe 7–28 days 6–8 weeks 4–8 months, refurb plus a full-market sale
Certainty Fixed the day you accept it Baseline guaranteed, upside not guaranteed Baseline guaranteed, upside not guaranteed
Cost or effort to you None None None
Best suited to Deadlines and maximum certainty Anyone with 6–8 weeks who wants a higher price than Option 1 Tired or dated properties with real upside

Worked figures only, on an illustrative £150,000 as-is property. Option 2's uplift depends on what the property actually achieves once marketed. Option 3 only applies where a refurbishment genuinely adds value: we will tell you honestly if your property is not a fit. We run your real figures with you before you commit to anything.

How a Walsall semi-detached turns into £50,000 extra.

A dated three-bed semi-detached in Walsall, needing a full cosmetic and structural refurbishment throughout. You keep ownership the whole way through: here is exactly how Option 3 works, and why the seller walks away with 133% of what a straight cash sale would have paid.

Worked illustration only. Every property is different and we run these figures with you before you commit to anything.

Your home’s value today, as-is£150,000
Sale price after the works£295,000
Gross uplift (sale price minus as-is value)£145,000
Less: refurbishment we fund and manage− £35,000
Less: estate agent, legal & holding costs− £10,000
New value created (the real profit)£100,000
Your share of the uplift (50%)£50,000
You receive
133% of your as-is value £200,000
A Walsall semi-detached house after refurbishment, with new windows, door, roof and driveway
The same Walsall semi-detached house before refurbishment, vacant with an overgrown garden
Before After

Drag the handle to compare. Illustrative example of the works we fund and manage, not a specific property.

We will never drop our offer at the last minute.

You have probably heard the horror stories. A cash buyer agrees £180,000, strings the vendor along for six weeks, then knocks £20,000 off two days before completion when it is too late to walk away. That is gazundering, and it is how a lot of this industry makes its money.

We do not do it. Our offer is fixed at the point you accept it, and the only thing that changes it is you telling us something material we did not know. If we get it wrong, that is our problem to absorb, not yours.

See what we would pay
Offer fixed in writing on day oneYou get the figure in an email you can hold us to, not a verbal on a phone call.
No renegotiation after surveyWe survey before we offer, not after you are committed and out of options.
No fees deducted at completionNothing appears on the statement that we did not tell you about upfront.
Us vs the alternatives

Four ways to sell the same house.
Here is where the money actually goes.

A tired three-bed semi worth £100,000 on the open market, sold four different ways. Every figure below is a real cost somebody pays. Most of them just never appear on the valuation.

Midlands Cash Buyers Estate agent Auction Other cash buyers
The sale
Time to completion 7–28 days 6–9 months 8–12 weeks 2–8 weeks, often slips
True market value £100,000 £100,000 £100,000 £100,000
Price agreed with you £85,000 £96,000 £88,000 £85,000
What comes off it
Agent, auction or admin fees £0 −£1,728 −£3,040 −£1,000
Solicitor fees £0, we pay −£1,500 −£1,500 −£1,500
EPC, clearance & removals £0, we handle −£500 −£500 −£500
Mortgage, council tax & bills while you wait −£130 −£3,892 −£1,668 −£834
Offer dropped before completion £0, guaranteed n/a n/a −£2,500 typical
What actually lands in your bank £84,870 £88,380 £81,292 £78,666
Risk of it falling through None, our own funds Around 1 in 3 Buyer can withdraw High

The assumptions, in the open: agent fee 1.5% + VAT; auction 2.5% + VAT plus a £400 legal pack; holding costs of £556 a month (£425 mortgage, £71 council tax, £60 utilities), charged over the time each route actually takes.

The estate agent number is higher. We are not going to pretend otherwise.

On this example an estate agent puts roughly £3,500 more in your pocket, if the sale completes and if you can wait seven months for it. Around one in three does not. What you are buying from us is certainty and speed, and against every other fast route on this page we come out ahead.

And if you want the higher number without the seven-month wait, Option 2 is built for exactly that. Its baseline is guaranteed on day one, and it typically completes in 6–8 weeks. If you would rather have more money than a faster sale, our Zero-Cost Refurbish & Sell has netted vendors more than a straight open-market sale would have paid, though it takes a similar amount of time to get there once you count the refurbishment itself.

A practical way out

When the interest is growing faster
than you can pay it down.

Most people in this position are not reckless. They had a change in income, a business go wrong, a relationship end, or an illness. The debt then compounds on its own.

Interest does not wait for a slow sale

A six to nine month estate agent sale is six to nine more months of interest, charges and possible default notices. If the debt is the reason you are selling, the speed of the sale is part of the solution.

Your home may be the only asset that can clear it

For a lot of people the equity in the property is worth more than every other asset combined. Releasing it deliberately, on your own terms, is very different to having it taken.

Acting early protects your credit file

There is a meaningful difference between a settled debt and a default, a CCJ or a repossession. The earlier you deal with it, the more of your future borrowing you protect.

Nobody needs to know

No For Sale board, no online listing, no strangers viewing your home at the weekend. One visit from us, then a written figure.

Secured and unsecured debts settled together

Your solicitor can settle the mortgage, any secured loan and agreed unsecured debts directly from the completion funds, so it is dealt with in one go rather than in instalments you have to manage.

You may still walk away with money

Clearing what you owe does not always mean there is nothing left. Plenty of sellers in this position clear everything and still have a deposit for a rental or a fresh start.

Not quite your situation?

Probate & inheritedRelocating & emigratingStopping repossessionBroken chainsEx-rentals & landlordsSomething else

The properties estate agents
quietly give up on.

If a surveyor has ever killed a sale on your house, or an agent has stopped returning your calls, this is the list they were worried about. None of it stops us buying.

A vacant, unmodernised 1930s brick semi-detached house with a boarded window and an overgrown front garden

Vacant, unmodernised and boarded up, next door to a perfectly ordinary family home. We buy properties in this condition every month.

Japanese knotweed Subsidence Structural movement & cracking Severe damp & rot Hoarding & full clearances Fire & smoke damage Short leases Flood history Failed EPC ratings Non-standard construction Mine entries Sitting tenants

We buy with our own funds, so there is no mortgage valuation to fail and no lender to talk us out of it.

“We are not a faceless national call centre. When you deal with Midlands Cash Buyers, you deal directly with the same small local team every time, based right here in the West Midlands.”

The person who values your property is the person who buys it and the person who answers when you ring back. We know what a Birmingham terrace is worth because we bought one last month, not because a spreadsheet told us. If we cannot make the numbers work for you, we will say so and point you somewhere better.

Midlands Cash Buyers, Wolverhampton

Every council we buy in,
across the Midlands and the borders.

If your postcode starts with B, WV, WS, DY, TF, ST, WR or CV, there is a strong chance we are already active on your doorstep.

BirminghamWalsallWolverhamptonSandwellDudleySolihullTelford & WrekinCannock ChaseLichfieldTamworthSouth StaffordshireWyre ForestStaffordRedditchBromsgrove

Not on the list? We still buy across the wider Midlands. give us a ring and we will tell you honestly.

The questions everyone asks us.

Yes. Your solicitor redeems the mortgage and any secured charges from the completion funds, and can settle agreed unsecured debts at the same time. You receive whatever remains. It is dealt with in one transaction rather than left for you to organise afterwards.

It will not erase existing marks, but it stops the situation getting worse and a settled debt reads very differently to an ongoing default or a repossession. Anything already recorded stays for its normal period.

Usually yes. Charging orders and CCJs are dealt with through the conveyancing and settled at completion. Tell us upfront so we can factor it in from the start rather than discovering it late.

Be straight with us and we will be straight with you. In some cases a sale still works, in others it does not, and sometimes the right answer is free debt advice instead. We will tell you honestly which we think applies.

No. We pay the standard solicitor fees, there is no commission and nothing is deducted at completion. Getting a figure from us costs nothing and commits you to nothing.

Yes, and we would genuinely encourage it. Citizens Advice, StepChange and National Debtline are free and independent. Selling is one option among several and you should understand all of them before choosing.

Find out what we would pay for your property.

No obligation, no pressure and no one turning up unannounced. Just an honest figure and three ways to sell, within 24 hours.

Get my free cash offer 01902 288 161

Lines open 24 hours a day, 7 days a week.

Get your free cash offer within 24 hours. No fees, no obligation. Or call 01902 288 161, open 24/7. Get my free cash offer