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Cash buyer vs estate agent
Use this when you’re weighing a guaranteed timeline against chasing maximum gross price — especially if you need money, a move date, or an exit from a messy situation.
When cash usually wins
| Factor | Cash buyer | Estate agent |
|---|---|---|
| Typical timeline | Often 7–28 days | Frequently several months |
| Certainty | High if funds verified | Offer can still fall through |
| Headline price | Usually discounted | Closer to market value |
| Seller fees | Typically £0 commission | 1–3% + VAT common |
| Viewings / board | Minimal / none | Ongoing marketing |
| Best for | Deadlines, problem stock, privacy | Time-rich, mortgageable homes |
Full narrative guide: Cash buyer vs estate agent explained. Also read how much cash buyers pay and safety checks.
Sound familiar?
Cash tends to fit these sellers
If you’re in one of these stories, the timeline column usually matters more than the asking price.
Need cash soon
I need the money — not another six-month maybe
Anxious · counting weeks
I need money fast Moving / abroad
Job start or emigration date is fixed — the house isn’t sold
Restless · dual-home dread
I need to move Repossession fear
Arrears or a lender letter is getting louder
Scared · short on time
Help stop repossession Probate / inherited
Inherited a house you don’t want to renovate or market
Drained · far away
Sell probate property