SilverCroft Property

House buyers · England & Wales

A fair price for your house. Explained in full.

We buy houses directly, with our own money. No estate agents, no chain, no fees, and a written explanation of exactly how we reached our number, before you decide anything.

No obligation · No doorstep visits · No pressure to accept

Zero
Fees, commission or legal costs
7 days
Completion, if that's what you need
25+ years
Buying property
17393169
Registered in England & Wales
The problem

The open market is built for a house that's ready to be loved.

Not every sale fits that mould. An inherited house sits empty for months while probate works through, costing you in bills, insurance and slow deterioration. A collapsed chain leaves you weeks from losing the home you had already committed to.

In both cases the estate agent model asks the same thing of you: wait. Wait for viewings, for an offer, for a survey, for someone else’s mortgage, for a chain of strangers to hold together. Around a third of agreed sales in England and Wales fall through before completion.

We remove the waiting and the uncertainty by being the buyer ourselves. Our money, our decision, our timetable, set by you.

How it works

Three steps. No surprises in any of them.

The whole process is designed so you always know what happens next and what it will cost you. Which is nothing.

01

Tell us about the house

Two minutes on the phone or a short form. Address, rough condition, and what is driving the timing. We do not need photographs, an EPC, or a tidy house.

02

We explain our offer

Usually within 24 hours. You get a number and the workings behind it: comparable sales, condition allowance, and our margin, all set out in writing.

03

You choose the date

Accept and pick your completion date. Seven days if you are up against it, three months if probate has not cleared. We cover the legal fees either way.

Our offer explained

Yes, our offer is below market value. Here's the honest comparison.

Every cash buyer offers below the asking price; that’s how the model works, and anyone telling you otherwise is being careless with the truth. What matters is what you actually walk away with, and when.

Here’s what a £250,000 open-market sale really returns once the costs come out:

Asking price on the open market

£250,000

Achieved price after negotiation
Homes typically sell for around 3% under asking

−£7,500

Estate agent commission
1.5% plus VAT

−£4,500

Your conveyancing solicitor
Plus searches and disbursements

−£1,500

EPC and marketing costs

−£150

Five months of bills, insurance and council tax
The average time from listing to completion

−£3,750

What actually reaches you
In roughly five months, if the chain holds together

£232,600

Illustrative figures based on typical UK costs. Your own numbers will differ; we will work them through with you honestly, including where selling to us is the wrong choice.

Who we help

Two situations we understand particularly well

We’re not for everyone, and we’d rather say so. But if you’re in one of these positions, we’re likely to be a genuinely good fit.

Probate & inherited property

An empty house you didn’t ask for, hundreds of miles away, full of a lifetime’s belongings and costing you money every month it sits there. We buy as-is, contents included, and we can work alongside probate rather than waiting for it.

Broken chains & relocation

Your buyer pulled out three weeks before exchange, and the house you’re buying won’t wait. Or a job starts in another city next month. Your property is perfectly saleable; you just can’t afford to find out how long it takes.

Landlords selling up

Section 24, EPC upgrades, and a decade of tightening regulation have made letting harder work than it was. We buy tenanted and vacant rental property, single houses or whole portfolios, without the void period an open-market sale usually forces on you.

Any condition

We buy the houses agents find difficult.

Damp, subsidence, a short lease, dated throughout, non-standard construction, Japanese knotweed, a sitting tenant, no building regs sign-off. These are the properties that stall for months on the open market, and they’re the ones we’re most comfortable with.

Common questions

The things sellers ask us first

It depends on the property, its condition, and how quickly it would sell on the open market, so we won’t quote you a percentage before we’ve looked at yours. What we will do is show you the arithmetic: the comparable sales we used, the condition allowance, the costs we absorb on your behalf, and our margin. If the number doesn’t work for you, that’s a perfectly reasonable answer and we won’t chase you.

You can agree a sale and get the legal work underway, but you cannot complete until the Grant of Probate or Letters of Administration have been issued. In practice this works well: we agree terms, your solicitor prepares everything, and completion happens within days of the grant arriving rather than months afterwards.

No. There’s no agent commission because there’s no agent, and we pay your conveyancing fees as part of the purchase. You won’t need an EPC, and there’s nothing to pay if you decide against selling to us at any point before exchange.

Seven days is achievable when the title is straightforward and everyone moves quickly. Three to four weeks is more typical. Because we buy with our own cash, there is no mortgage application and no chain; the only real constraint is how fast the legal work can be completed.

Renegotiating late is the single most common complaint about our industry, and we think it’s indefensible. The only circumstance in which our figure would change is if something material comes to light that you hadn’t told us about: structural movement, a legal defect on the title, an undisclosed tenant. Tell us everything at the start and the number we agree is the number you’re paid.

No obligation

Find out what we'd pay.

Tell us about the property and we’ll come back within one working day with a figure and the reasoning behind it. If the open market is the better option for you, we’ll tell you that instead.

Consent
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