Divorce or separation
A practical way to sell a shared home.
When a relationship ends, the house is often the biggest thing to sort out. We deal with both owners equally, put everything in writing, and give you a clear figure to work with alongside your solicitors or mediator.
What you might be dealing with
Every separation is different, but selling the home often involves the same pressures.
Two owners, two sets of plans
You both need to agree to the sale, and to what happens with the money.
Living together while it sells
Viewings and negotiations can be hard to manage while you share the house.
Wanting a line drawn under it
You need a figure you can both rely on so the finances can be settled.
How we can help
We deal with both owners equally
We'll share the same information with both of you, or with your solicitors, and won't take sides.
A figure in writing, explained
A written offer you can both see, with the reasoning, to use in your discussions or mediation.
No viewings to organise
One inspection, arranged at a time that suits you both.
A date you both agree
We'll agree a completion date that works for both owners.
What you don't need to do
- Agree who pays for repairs
- Keep the house presentable for viewings
- Coordinate repeated viewings together
- Stage or redecorate
Step by step
How it works when a home is jointly owned
1. An initial conversation
Either of you can get in touch. Before we go further, we’ll need to know both owners are happy to explore a sale.2. Research and inspection
We look at local sales and visit at a time that works for you both.3. Offer to both owners
The same written offer goes to both of you — or your solicitors — with our reasoning.4. Sale and proceeds
Both owners sign. The mortgage is repaid and the rest is paid out as you’ve agreed or as a court has ordered.
Things to consider
Both legal owners must agree
If you both own the home, you'll both need to consent to the sale and sign the transfer. We can't proceed on the instruction of one owner alone.
Agree how the money will be split
How the proceeds are divided is a matter for you, your solicitors or the court — and it’s best settled, or at least recorded, before you sell.
A direct sale means a lower price
Our offer will be below open-market value. For some couples, certainty and speed are worth it; for others, getting the most from the sale matters more.
Rights of a non-owning spouse
If the home is in one name only, a spouse or civil partner may still have rights to live there. A family solicitor can explain how this affects a sale.
Other routes you could take
Selling to us is one option. Depending on your circumstances, one of these may suit you better.
One of you buys the other out
Possible if one owner can take on the mortgage alone or raise the funds. It needs a valuation and lender approval.
Sell through an estate agent
Usually the highest price, though it takes longer and needs cooperation over viewings and offers.
Delay the sale
Some couples agree — or a court orders — that the sale waits, for example until children are older.
Questions
Common questions
Can one owner sell without the other’s agreement?
Not if you're both legal owners — you'll both need to sign. If you can't agree, a family solicitor or mediator can help, and in some cases a court can order a sale.
Do we need to be divorced before we sell?
No. You can sell at any stage. It's sensible to agree how the proceeds will be split first, and to take legal advice so the sale fits with your financial settlement.
Will you talk to our solicitors or mediator?
Yes, with your permission. We can send our written offer and reasoning to whoever is helping you.
What happens to the money from the sale?
The mortgage and costs are paid first. The remainder goes to the conveyancing solicitor, who pays it out as you've agreed or as a court has ordered.
Relocating
Moving for work or family and need a fixed date.
Sale fallen through
You want a buyer who can proceed.
Mortgage or repossession worry
A lender deadline and you need a clear answer quickly.
Want a clear figure to work from?
Either of you can get in touch. We'll explain what we could offer and share the same information with you both.