Buyer pulled out, mortgage refused, survey down-valued, chain broken. We’re the replacement buyer agents call before they relist, not after weeks of trying. Send the address, we view the property, and we aim to make an offer within 24 to 48 hours of viewing.
6,200 UK sales collapse every week. £3,000 commission gone per fall-through, on average. 43% fail at three months or later, after you’ve invested the most time. And then you face this:
Option one
Re-market the property
Option two
Your client takes it to a national cash buyer
Sources: TwentyCi (2025 fall-through rate), Santander «Fixing the Broken Chain» (cost per fall-through), HomeOwners Alliance (UK quick-sale market norms).
When a client goes to a national cash buyer directly, the agent is usually out of the picture entirely. Refer them to us instead and the instruction stays yours: you earn your commission on the sale, and again on the re-listing.
We solve that one explicit way: when we resell the property, you list it. One referral, two transactions on your books.
Worked example · £280k chain-break sale
Sale fee
Paid on our purchase completion
Resale instruction
Paid on resale — conditional
All figures + VAT. All disclosed to the seller in writing per NTSELAT guidance.
Quietly cutting the offer days before exchange is the cash-buyer move vendors fear most. If your client comes to us, we do not renegotiate. There are three transparent exceptions, documented below.
We never describe our offers as “instant” or “guaranteed” at enquiry. The indicative offer is a starting point, the confirmed offer comes after we’ve viewed. Here’s exactly what happens, in order.
Seller or agent submits the property. We acknowledge receipt and may ask clarifying questions. Where we can pull from public records (Land Registry, EPC register, planning portal), we do. We only ask the seller for what we genuinely need.
Straight away
We send an indicative offer range based on comparable sales, PropertyData valuation, and public property records. Clearly labelled INDICATIVE. Our honest starting point — not a number we intend to change, but one that must be confirmed after viewing.
After desk research
We physically view every property before issuing a confirmed offer. We assess overall condition, visible defects, and anything not clear from public records. We tell the seller in advance what we are looking for.
Required before confirmed offer
After viewing, we issue our confirmed purchase price in writing. This is the price we complete at. We share the survey notes that informed it. Locked for 72 hours so your client can take advice.
We aim for 24–48 hours after viewing
We instruct our solicitors straight away. The seller instructs theirs; we can recommend firms accustomed to working on expedited timelines. We provide regular updates through to exchange and completion, surfaced on the live timeline page the seller can share with anyone.
Weeks not months
After viewing, you and your client both receive a signed PDF offer document. Reference number, confirmed amount, completion timeline. The price we confirm is the price we complete at. No ambiguity. No verbal commitments to remember.
Binding offer document · Ref BW-2026-0142
Property
14 Acacia Avenue, Stockport, SK4 3HQ
Our cash offer
£244,000
Locked for 72 hours
Signed for and on behalf of Kept. This offer is legally binding upon Kept for 72 hours from issue.
Five fields. An indicative figure appears as soon as you submit, pulled from HM Land Registry comps. We then view the property and aim to make a confirmed, signed offer within 24 to 48 hours of viewing.
No, because the offer is below open-market by a defensible margin: a price that reflects the speed and certainty of a cash purchase with zero fall-through risk. You hand them the methodology page and a signed offer. They make the call.
Almost certainly not at the original asking price. Our offer is below open-market in exchange for cash and certainty. But for a vendor whose buyer just collapsed, that trade-off is often worth it: a quick completion at a price that reflects the speed and certainty of the transaction, instead of 4–8 months of re-marketing with no guarantee.
If the buyer has held the price down, we’ll quote independently against the same comparables their surveyor used. Often we land within £5k of where the renegotiation was heading anyway, but with a fixed completion date and no further wobbles. Send us the property + the survey notes.
On completion of our purchase from your client. You keep your commission on the sale, agreed in writing per deal, with a separate sale instruction when we resell. All disclosed to the seller in writing per NTSELAT guidance.
Three ways. (1) You keep your commission, agreed in writing per deal; most national cash buyers cut the agent out entirely. (2) The price we confirm is the price we complete at, with no renegotiation. (3) When we resell the property, we instruct you. National cash buyers flip through their own channels and the property never comes back to you.
We do not renegotiate. The price in your client’s offer document is the price at completion. There are three documented exceptions: a structural survey reveals a material defect that was not visible or disclosed at viewing, a title issue emerges that materially affects value, or information provided about the property proves materially incorrect. In each case your client gets 48 hours to walk away free of charge and we share the survey report or title note in full.
No problem. You instruct the property as normal. There’s no contract with us and nothing to unwind — you simply carry on, and we wish your client the best.
We carry the load. Kept is HMRC-registered for AML supervision. We run KYC and source-of-funds checks, then issue a written compliance receipt for your file.
Cash property buying is unregulated by the FCA. We are members of the Property Redress Scheme (PRS) — a government-approved independent redress body — voluntarily follow The Property Ombudsman code, are HMRC-registered for AML supervision, and ICO-registered as a data controller. See our regulatory disclosure for full detail.
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