There are many reasons for wanting to sell your house quickly, they maybe:

• Money worries
• Divorce
• Bereavement
• Non mortgagable property

What ever your reason is you need to be assured that your home can be sold quickly and this is where Equity Fast can help. Most UK houses with Equity Fast are bought for cash usually within 10 days, this is due to their access to substantial funds and experience of over a decade in fast property purchases.

Equity Fast has a team of experienced professionals who will take you every step carefully, this service is available throughout the UK including,

Hull, Doncaster, Manchester, Liverpool, Bradford, Nottingham, London, South Wales, North Wales, Birmingham and Derby.

If you are close to repossession then a quick cash sale of your house is a good option, no matter how close you are to legal action Equity Fast can help without any intrusion into your personal circumstances. Equity Fast will buy houses, flats and apartments old or new in any condition and area.

It can be a difficult decision to sell your home quickly but Equity Fast are at hand to offer you professional advice, ensuring that the decision you make is correct for you and that the sale is done quickly and efficiently helping you to get back on track again.

Selling your house quickly can release the tension of money worries, this can be done by making one simple phone call to Equity Fast on 0800 012 2829. You can also find out more information by visiting the website www.equityfast.co.uk.

Although most people will have some kind of debt, whether it’s a mortgage, loan or credit card, as long as you can manage this debt and deal with it efficiently, you are normally ok. There are occasions where this debt can spiral out of control, maybe due to a redundancy or ill health, but there are things that you can do to try and tackle this problem and deal with the money issues, we take a look at some of these below.

These are our top tips when it comes to clearing your debt and avoiding ultimate bankruptcy.

Set Out A Plan For Managing Debt – A debt management plan is something you can draw up yourself or with the help of an organisation like the CAB (Citizens Advice Bureau). You should write a complete list of all your debts, interest being paid and your outgoings and then a list of your incomings. Set over a period of time you should try to focus on repaying the debts the best you can and work out areas you can save your money, for example on shopping or leisure activities to make sure you can make an indent into your debt worries.

Take A Second Job – Sometimes the obvious can be staring you in the face, especially if you have a qualification or a skill. You can look at taking on part time work and the few odd jobs outside of your normal hours, but you will need to check with your local tax office to make sure that you will not end up paying far more tax and therefore making the extra working unbeneficial.

Consolidate Your Loans – Some experts may seem quite sceptical when it comes to consolidation loan firms offering to help you sort your debt out. Often, they may have cause to be concerned but in some circumstances this type of lending can be the best alternative for the person concerned, especially if they have used up many other alternatives. Just like any loan, you will end up paying far more than the original debt, but if it helps to remove the immediate pressure form your shoulders then it should be worth a look. Just make sure you do research into the company you are looking to use and get as many quotes from as many different consolidation companies as possible.

Sell Your Home – Sometimes seen as a drastic solution, it can also be one of the most sensible alternatives if you are facing bankruptcy. If you purchased your home a few years ago then you will probably have some equity in your home, which means you could look at repaying some debts and then downgrading your property to something cheaper or even renting. You may want to make use of an equity fast company that will buy your house for cash, meaning you are not waiting months for a sale whilst your debts are creeping out of control.

IVA (Individual Voluntary Arrangement) – One of the final procedures that you will need to look at before you face bankruptcy is an Individiual Voluntary Arrangement, or an IVA for short. This is where a contract is drawn up between you and your creditors and can be flexible when it comes to your needs. The contract is binding and is controlled and issued under the Insolvency Act of 1986 and really is the final step before you face bankruptcy, so can be worth looking at if all of the other options have failed.

Below, we look at our top tips to make sure you make the right decision.

Seek Independent Advice – Before you consider the final and somewhat ultimate solution of selling your home, make sure you have spoken to the people that can try to help you in times of financial difficulty, including your bank, mortgage lender and finally the Citizens’ Advice Bureau (CAB). It really is important you seek independent advice from people that might be able to help you; the CAB is a fantastic example of a body that will sit down and discuss your options with you. They might not find a solution but could offer valuable advice which might mean you do not have to sell your home to escape financial difficulties.

Get A Independent Value – Many estate agents will charge you a one off fee to value your home in case of divorce proceedings or other circumstances, so it is well worth finding out what the market values your home at be fore looking to sell your home quickly. Although most fast property sale companies will offer you a good price, you do have to realise that you will not always achieve its full market potential, hence the reason you are selling it so quickly.

Look At Your Options – Sit down when you have nothing else to focus on and work out any other options you might have. Could you have a mortgage lending holiday? Could the bank offer you a short term loan? Could you borrow money from family or friends to tide you over? There might be other options that you have not considered due to the fact that you are so worried and tied down by the fear of losing your home, so its vital you consider all of your options, with a quick house sale one of them.

Do Your Research – If you have made your decision and have decided that a quick house sale is your only option, then do some research, get as many valuations as you can from quick house sale companies and then research them some more. Make sure you get this part right, look at their testimonials, looking their company records on Companies House and just generally take your time to make sure the company you go for is the right company for you and your needs.

Decide Your Future Plans – Selling your home quickly is just the solution to the immediate problem you might be facing. Before you sell your home you need to think about the next steps, where are you going to go and how are you going to survive. Make sure you have some kind of plan in place before the quick house sale company purchases your home else you will be facing a muck bleaker future if you have to rush the future path for you and your family.

Equity Fast are the leading quick property sale specialists and all it takes is an email or call to get the ball moving. They don’t hang around, they don’t offer false promises but they do stay true to their offer meaning that the moment you get the offer from them, that is the value you will achieve for your home.

They are THE quick house and land buyers with access to substantial funds and over a decade of experience in fast property purchases.

So, if you need to sell your home quickly for one of the following reasons:

• Facing repossession
• Divorce
• Ill Health
• Financial Difficulty
• Broken Sale

Call Equity Fast now on 0800 012 28 29, they are there to help you.

It doesn’t matter when it comes to the reason you need to sell your property quickly; Equity Fast are going to be there to deliver the results you really need and always respond to enquiries with an offer within at least 24 hours of the first phone call or email enquiry.

True to their word, the price they offer is the price you get. Equity Fast understand that each property seller has their own reasons for selling their home and their requirements are practically unlimited. They buy houses, flats and apartments for cash both new and old, in any condition and in any area, as well as land with or without planning consent.

So, if you are looking to sell your home quickly and want it to happen now, ring 0800 012 28 29 now or visit the website – http://www.equityfast.co.uk/ as Equity Fast are the only company you need to sell your home … fast!

Equity Fast specialise in helping clients to avoid repossession or eviction no matter how close you are to legal action. If you have been worrying and not facing up the seriousness of the problem, like so many people do in this situation, Equity Fast are there to help you through what is a horrible, worrying and very sensitive time, not only for the person concerned but all of the family.

If your circumstances allow them too, they will guarantee you a swift and stress free sale without intrusion into your personal circumstances. This is one of the hardest times of any persons life, so Equity Fast make sure all cases are dealt with in a professional, sensitive and confidential manner, as they know this can be a devastating blow for any individual, the threat of losing their home.

Equity Fast will . . .

• Settle your outstanding mortgage
• Take care of your legal fees
• Normally complete the transaction in 7 to 14 days
• Allow you to remain in your house rent free for up to 12 months
• Offer you several options after the 12 month rent free period has passed

Equity Fast are a leader when it comes to quickly selling houses and taking the complications out of land purchases with access to substantial funds and over a decade of experience in fast property purchases.

So, if you need to sell your home quickly and need the confidence and security of a reliable company, call Equity Fast on 0800 012 2829 – and start to regain control of your life!

If you need to sell your home quickly, for whatever reason, including repossession threats or worries, Equity Fast are always there to offer you a high level of service you will struggle to find elsewhere, including a rapid turn around and a confidential handling of your case.

By avoiding repossession you will help to maintain your credit rating, and this is a key factor in getting back control of your finances. Acting quickly can prevent the situation running out of control.

Equity Fast will even cover your legal costs for the sale transaction, so there are absolutely no fees taken from the purchase price we have agreed for your property.

And don’t forget, after the twelve month rent free period you can either -

• Remain in your home and rent from them – the ideal option as this means you can keep your home and lose the worry of being repossessed.
• Buy the property back from them – another top solution from Equity Fast, they will get you out of trouble and will then sell your home back when you are back on your feet financially
• Buy a cheaper property through them in the same location, where available

What ever your reason for needing to sell your home quickly, Equity Fast are there to deliver the results you need, and will respond to all enquiries with an offer within at least 24 hours of the first phone call or email enquiry.

The price they offer is the price you get. They understand that each property seller has their own reasons for selling their home and their requirements are practically unlimited. They buy houses, flats and apartments for cash both new and old, in any condition and in any area, as well as land with or without planning consent.

So, if you need to sell your home quickly, ring 0800 012 28 29 now or visit the website – http://www.equityfast.co.uk/

The first thing you have to do is speak to your mortgage lender. This is vital and has to be the first thing you do if you are finding it a struggle to meet repayments or you believe that you are going to struggle to meet the next repayment. Most lenders will welcome the fact you have informed them of the situation and will try their best to work out a path forward. You have to remember that it is in the interest of the lender to keep you in your home as it costs money to repossess someone and it will also probably not be likely to get the full borrowing amount back on the property if they have to sell at an auction.

You then need to really sit down and work out your options. If you know that you are not going to be able to meet the repayments in the short term, maybe due to sickness or a temporary cash flow issues, you might want to speak to the bank or a family member to see if you can borrow some money. It is important that you only do this if you feel the situation is temporary as you can not keep borrowing money for ever and you will only get yourself deeper and deeper into debt.

Some mortgage lenders might offer you a “repayment holiday” if you have been with them long enough, ranging from a month to a few months where you do not have to pay your mortgage, it just extends the length of the loan. This is something you need to raise with your lender and ask the question, although it is much more difficult to get repayment holidays now than it used to be.

If you feel that the problem is going to be a long term one, you really need to carefully assess your options.

You may decide you want to sell, which of course has to be your last case scenario as it will mean losing your house, but at least you will be able to repay the mortgage in full and start afresh somewhere else.

You can also ask your mortgage lender for consent to let, which means you can you let your home out to a tenant, officially, for anywhere up to two years. This can be a win win situation because you get to keep your house and at the same time you have a tenant paying your mortgage. You really must seek permission before you do this and let your lender know, because if you rent the house out behind their backs, this will be against the terms and conditions of the mortgage which they can choose to cancel at any time.

Many people thing that repossession happens quickly and doesn’t follow any order or logic, but legally, there is a set procedure that must happen. If the correct procedure is not followed by all involved, then this will mean that it has not be done in the right manner and you might have a chance to appeal against any proceedings.

The steps of repossession usually follow the path below:

Most mortgage lenders will try to contact you and sort things out before you even come close to repossession. It is in their interest to try and keep you in the property and paying the mortgage, as normally they will not make as much as the property is worth if it were to go to auction. If you are finding difficulty in paying the mortgage, you must make sure that you inform your lender immediately, as most will try to help you and if you tell them first, this goes in your favour.

Should you not be able to communicate with the mortgage lender efficiently, they will then apply for possession from the court, and the court will then write to you with your date for the hearing. In most cases you will be given around 21 days to prepare for court, so the date will normally be 21 days after you receive the letter from the court. A form will be enclosed which will explain the reasons that your mortgage lender has applied for possession of your property.

They will also send you a form which you can use to raise a defence against the claim for possession, which is the opportunity for you to explain why you got into difficulty, the reasons behind not being able to pay your mortgage and any other circumstance that might have lead to you being in the current situation that you are in. Make sure you keep copies of every thing and you must try your hardest to get this form back to the court as quickly as possible, as once again, if you communicate openly and efficiently this will all be taken into consideration.

You will then attend the court hearing, it’s vital that you do, and you will then be able to offer your case to the judge in charge of the hearing.

There are many reasons why you may wish to sell your home, but whatever the reason we have a solution to suit you. We are sensitive to your circumstances and we work within your timescale and propose an offer to meet your needs. You can rest assured that everything is treated in the strictest confidence, as no matter why you need to sell your property quickly, every case is treated with confidence and professional advice.

So, why would you want to sell your home to Equity Fast?

• You may have had your property on the market with Estate Agents and endured time wasters
• Sold your house only for the buyers to pull out or maybe not had any viewing’s at all!
• Perhaps you’ve found your dream home but are about to lose it because your property has not sold.
• Or maybe you are just looking for an established and reliable company to buy your house and give you some financial freedom.

What ever your reason for needing to sell your home quickly, Equity Fast are there to deliver the results you need, and will respond to all enquiries with an offer within at least 24 hours of the first phone call or email enquiry. The price we offer is the price you get. They understand that each property seller has their own reasons for selling their home and our requirements are practically unlimited. They buy houses, flats and apartments for cash both new and old, in any condition and in any area, as well as land with or without planning consent.

They specialise in quick house sales for cash, so there may be no reason for you to invest in a HIP (Home Information Pack), but if for whatever reason you need one, Equity Fast will be ready to pay for it, using a company who will turn around the pack with a level of efficiency and speed you need if you are looking to sell your home quickly and without any of the usual hassle that comes with selling your home. They also take care of all associated costs including paying your legal fees, and remember because they are not an Estate Agent, you will be saving on fees which can be anywhere from 1- 3% of the sale price of your property!

And we will do the job quick, guaranteed!

Below are the logical steps you need to take if you think you are facing losing your home. You do have to act fast to avoid the problem and can not afford to ignore it, so act now and try to save your home.

Speak To Your Lender – The first thing you really have to do if you are facing repossession or are struggling to make your mortgage repayments, is to speak to your lender. Most lenders will do everything in their power to allow you to stay in your property and find a way of helping you to repay your mortgage, even if it means looking at the payment levels or the amount you pay per month. Repossession for all lenders is a last resort and therefore by speaking to your lender the moment you think or find that you are struggling is the best thing you should do. If you ignore the problem, it will just escalate and you will find the lender will have difficulties in helping you, as if they are not told you have issues, it will not reflect very well upon you.

Meet With The CAB – The Citizens Advice Bureau, or the CAB, are in place to help you, no matter what the problem is. Most towns and cities have a CAB, although some are open short hours and some recommend you have an appointment before attending. The advisors are independent and are there to offer you advice and although they might not be able to help you keep your home, they will suggest things you need to be doing in case this happens, or hopefully try to find solutions to stop the situation occurring. All advice is free and you have access to a large pool of knowledge, so even if they can only offer some sound advice, it is well worth you taking some time to speak to them.

Review Your Finances – You really have to sit down and look at every bank statement, bill and outgoing commitment you have, because the likelihood is you can start to save a little bit of money which might help you meet some kind of repayment. If you can go to your lender and explain how you are cutting your outgoings to try and start making better payments, they are likely to listen to you and hopefully be a bit more sympathetic to your situation. Even if you can only save £100 a month from cutting things like premium TV or other unnecessary expenditure, this is another £100 that can go onto your mortgage, which will at least look good for you if it comes to facing repossession.

Rent Out Your Home – If you have somewhere else you could live for a bit, maybe your parents or your friends, consider renting out your home for a year. Most mortgage lenders offer something called a Consent To Let, which will allow you to rent out your home but not have to switch to a buy to let or similar product. If you can charge more rent than your mortgage currently is, not only will you be able to meet your repayments, you will also be able to save a little bit of money ready to move back into your home, when you are slightly more secure.

Consider Selling Your Home – The final option you will have is to sell your home before you have it taken from you. Fast Cash Sales firms and Equity Release companies are ready to purchase your home and relieve you from the pressure of facing repossession. Although this is the last step, almost the ultimate step, if you can avoid repossession and therefore ruining your credit rating for years to come, it is well worth selling your home, starting again and moving onto a hassle free existence for a few years.