Fast. Fair. Transparent. Your Cash Offer, Explained
Discover how we calculate your cash offer, why it’s lower than market value, and what it really means for your next move.
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How we work out your cash offer
How we work out
your cash offer
Our valuation combines smart data analysis with property-specific factors, then we verify everything with a professional survey. Here’s exactly how it works.
Powered by data
Our valuation technology analyses recent sales, current market activity, and the characteristics of your property. This gives an accurate estimate of your home’s market value - the foundation of your cash offer.
Adjusted for reality
We account for repairs, legal complexities, and your preferred completion date. This ensures your cash offer reflects your home’s true condition and your personal timeline.
Verified by experts
A RICS survey confirms property condition and measurements. Once verified, we provide your final cash offer in writing - with full clarity on any adjustments.
How much will a cash buyer really offer?
This is the question we hear most. Here’s the straightforward answer about how much cash house buyers pay.
The 80 to 85% benchmark explained
Professional cash house buyers typically offer between 80% and 85% of market value. This isn’t arbitrary - it reflects what we provide in exchange:
What you get in return:
Cash Buyer vs Mortgage Buyer:
Cash Buyer vs Mortgage Buyer: The Real Comparison
The Real Comparison
When comparing a cash buyer vs mortgage buyer, the headline offer is only part of the story. What truly matters is what you walk away with once all costs, risks, and delays are accounted for.
The cash buyer vs mortgage buyer comparison shows that while mortgage buyers may offer higher prices on paper, the net difference is often far smaller once you factor in time, fees, uncertainty, and additional costs.
Hidden Costs of a Traditional Sale
Selling through an estate agent with mortgage buyers often comes with costs many homeowners overlook:
Understanding the cash buyer vs mortgage buyer difference is key to seeing why many homeowners choose the certainty and speed of a guaranteed cash sale - even if the headline figure is lower.
Is a cash sale right for you?
Here’s what to know
Is a cash sale right for you? Here’s what to know
Every homeowner’s situation is different. Here’s a simple, honest look at the benefits and trade-offs so you can decide what’s right for you.
Advantages of cash sales
Potential disadvantages
What cash house buyer reviews tell us
When looking at cash house buyer reviews, a few themes emerge:
What it means for you
At the end of the day, whether a cash sale is right for you depends on your personal circumstances. For many homeowners facing time pressures, chain issues, or other challenges, prioritising speed, certainty, and simplicity brings the greatest peace of mind. Reviews consistently show that those who value these factors are the most satisfied with their experience.
“Fast, simple, and stress free. I had a clear cash offer, no repairs needed, and everything completed quickly”
Why cash offers are lower
It’s normal to ask why cash buyers don’t offer the full market price. By taking on the financial, legal, and resale risks for you, we provide speed, certainty, and simplicity - and that’s why the trade off can make sense for many homeowners.
We use our own funds to buy your property immediately and hold it until resale. Any changes in the market during this period are our responsibility, not yours.
We handle any title issues, lease complications, or property searches at our expense - quickly and professionally - so you don’t have to worry.
Many properties need work before resale. We take care of all repairs, renovations, and project management, giving you a hassle-free experience.
We manage finding the next buyer, arranging viewings, and handling all negotiations. You benefit from the sale without the stress or uncertainty.
What it means for you
Think of it like part-exchanging a car: the dealer offers less than a private sale because they provide immediate certainty and take on all the work and risk.
With a cash sale, you trade the headline price for guaranteed completion, speed, and total convenience. For homeowners facing situations like divorce, inheritance, financial pressure, or chain collapse, this trade-off often makes perfect sense.
How we calculate your cash offer
Your cash offer is based on clear, objective factors - and we’ll always explain exactly how each one affects your price.
How long does a cash house sale take?
One of the most common questions we hear is: “How long does a cash house sale take?” Here’s a realistic timeline from offer to completion.
Week 1 to 2: Legal preparation
During the first two weeks, we instruct solicitors and start property searches, arrange a professional RICS survey if needed, & review all property documents to make sure everything is ready.
Week 3 to 4: Completion
By weeks three and four, funds are transferred, ownership is handed over, keys are passed to the new owner, and you receive your money in your account.
Week 1 to 2: Legal preparation
During the first two weeks, we instruct solicitors and start property searches, arrange a professional RICS survey if needed, & review all property documents to make sure everything is ready.
Week 2 to 3: Contract exchange
In weeks two and three, we complete all legal checks and property reviews, finalise the contract terms, and exchange contracts so both parties are legally committed.
Week 3 to 4: Completion
By weeks three and four, funds are transferred, ownership is handed over, keys are passed to the new owner, and you receive your money in your account.
Week 2 to 3: Contract exchange
In weeks two and three, we complete all legal checks and property reviews, finalise the contract terms, and exchange contracts so both parties are legally committed.
Typical timeline
Most cash sales complete within 14–28 days, which is much faster than traditional sales that usually take 3–6 months.
Factors affecting speed
Property complexity, local authority search times, and your preferred completion date can all influence how quickly your sale completes.
Moov wrap-up
On average, our cash sales complete in 21 days from offer acceptance to funds in your account. This speed and certainty is one of the main reasons homeowners choose cash buyers, even if the headline price is slightly lower.
Your questions about cash offers
How much do cash house buyers pay on average?
Most reputable cash buyers offer between 80–85% of market value. Your specific offer depends on your property’s condition, local demand, legal complexity, and how quickly you want to complete. We’ll always explain exactly how we calculated your cash offer.
What are the pros and cons of selling house for cash?
The main pros of a cash sale are guaranteed completion in 14–28 days, no fees, no repairs needed, and reduced stress. The main cons are a lower headline price (80–85% of market value), less marketing exposure, and quicker decisions required. The right choice depends on whether you value speed and certainty over achieving the absolute maximum price.
Cash buyer vs mortgage buyer - what’s the real difference?
Mortgage buyers may offer a higher headline price, but you also take on 3–6 months of uncertainty, around 30% fall-through risk, and extra fees. Cash buyers offer a lower headline, but provide speed, certainty, and zero costs, often resulting in similar net proceeds with much less stress.
How long does a cash house sale take in the UK?
Most cash sales complete in 14–28 days from offer to completion. Contracts are usually exchanged within 14–21 days (legally binding), and completion happens within a few days after. This compares with 3–6 months for traditional mortgage sales.
What do cash house buyer reviews typically say?
Positive reviews highlight speed, transparency, and reduced stress. Negative reviews usually mention lower headline prices or expectations that weren’t aligned with market reality. Reading these reviews helps set realistic expectations.
Why do cash buyers offer less than market value?
Cash buyers absorb all financial, legal, and resale risks you would otherwise carry. We also cover all fees, provide guaranteed completion, and handle everything from survey to legal work. The discount reflects the certainty and convenience you receive.
Can I negotiate my cash offer?
Absolutely. If you have recent comparables, repair quotes, lease extensions, or other relevant details, share them with us. We’ll review everything and respond honestly about any potential adjustments.
Are there any hidden fees with cash buyers?
With Moov, no. We cover all legal fees, survey costs, and administrative charges. Some cash buyers advertise “no fees” but deduct costs at completion — always get fee transparency in writing before proceeding.
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