Reputable house buyers for probate and inherited properties - our personalised support sets us apart.
Property Saviour specialise in buying all types of inherited and probate properties for cash, whatever the condition. We buy houses, flats, bungalows, properties with short leases, squatter occupied properties and even empty derelict properties too – we’re based in Leeds, and help clients across the UK. Whether you’ve just inherited a property, or you’re trying to plan for the eventuality of someone dying, we understand that this can be a stressful and emotional time.
We understand how you're feeling
You may be trying to cope with the loss of a loved one, struggling to think straight and feel unable to decide how to progress with the house or assets. Firstly, we’re sorry you’ve found us in such sad circumstances. But now you’re here, we’re confident we can help with your property dilemma. We’re a small team of professional, but friendly, individuals who have helped many clients at this difficult juncture in their lives.
Inheriting a house from your parents
If your mum or dad have passed and you’ve been left a property in their will, you may be a little uncertain – scared, even – about how to proceed. Owning a house you’ve suddenly inherited can be a bit of a shock – you could find yourself drowing in bills and the new responsibilities all add up quickly.
- Does it need a lot of costly repair work or renovation?
- Is it structurally unsound?
- If it’s outside your local area, could you travel there to manage it?
- Would you want to move to live there?
- Have you got the financial means for the necessary upkeep, council tax, insurance etc?
- Does it hold painful memories?
- Would it be best to sell it?
When you have brothers or sisters to consider, you have several choices of how to deal with the property you have inherited:
We’re happy to arrange a Zoom call with both/all parties to discuss how we can help you, so you each have the same information at the same time.
Probate property to sell?
Selling a house after the death of a parent or grandparent
Bereavements bring some of the most painful and worrisome periods in our lives. Your mum, dad, grandma or granddad may have been making calls or researching what to do when they pass. Unfortunately, some unscrupulous organisations could have been collecting data on them for a while, and suddenly, you’ll find people know your business (or it seems that way).
Inherited a House?
Inheriting a house from a spouse, partner or civil partner
Married couples and civil partners
The loss of your husband, wife or civil partner is, no doubt, a life-changing experience. So many emotions, so much paperwork and so many things to attend to. Inhering their house, or their part of the house, could mean you will be able to live out your future in financial comfort.
Healing from bereavement
Depending on the circumstances, some people eventually decide to sell up and move on in order to help themselves heal from the trauma of bereavement. If your loved one died in the house, or you were a long-term carer for them, we can help you release cash from their estate. You won’t need to move until you’re ready; we’ll work with you to find a date to exchange contracts so you won’t end up sofa-surfing in between.
Spouse died without a will
You can only truly inherit a property under the rules of intestacy (known as “dying intestate”) if you were actually married or had a legal civil partner at the time. You’ll still need to apply for probate in order to get legal permission to deal with your husband, wife or partner’s debts and personal affairs. Once the estate has been valued – usually by a specialist probate solicitor – you can work out whether you can cover any remaining debts with your savings or income. Often, selling the property will be the only option to release you from the debt, but we can make this quick and painless to help you avoid possible repossession.
Inheriting a house while on benefits
You will need to inform the relevant authorities, such as the Department of Work and Pensions, who administer your benefits. Whether you get PIP (Personal Independence Payment), ESA (Employment Support Allowance) or Universal Credit – they have specialist advisors who will help you navigate what to do next. You’ll need to tell them you have a ‘change in circumstances’ and give them the new address.
Single occupants with no savings
If you live alone, with no children and no savings, you’re generally allowed to live in the inherited house without it affecting your benefit entitlement.
Free impartial advice
Other situations can be more complex – please ask our team about your specific circumstances. If it seems you’ll be better off by selling the house, we’ll give you honest impartial advice to help you decide. We’ll never push you into a sale; we have a proud reputation and your wellbeing is important to us. We use a local rate Leeds phone number – 0113 320 6700 – so the call should be free from your mobile (if you have an unlimited minutes plan) or you can ask us to call you back.
Vulnerable customers with additional needs
Please advise us if you have additional needs such as anxiety, autism, learning disabilities or cognitive impairments such as dementia. We can’t promise to be perfect, but we’ll try our best to make you feel at ease; we’ll explain everything with clarity, at a pace to suit you, while you ask as many questions as you need to feel reassured and safe with us. If you have any feedback on how you felt using our website or services, we’d be happy to listen, too.
Inheriting a house with a mortgage
When you inherit a house with a mortgage, since the deceased’s debts still have to be paid, you may find that there is not enough left after the settlement of the estate to pay the balance outstanding on the mortgage.
Did the deceased have life insurance?
Sometimes the life insurance policy of the deceased will cover part, or all, of the mortgage debt. But if this option isn’t available, you will need to pay the monthly mortgage payments yourself – or risk repossession.
Will you struggle to afford the repayments?
Perhaps you’re not currently in full-time employment or you’re self-employed with variable income? Maybe you’re sick, disabled or on benefits? Or you already have your own mortgage and a family to support, so you just can’t find the extra monthly payments from your household budget.
Would you be better off by selling up?
A daunting thought for many, especially with all the red tape and legal processes you have to endure, many of our clients feel that selling the property for cash is simply a less stressful option. Free of the burden, you can then use the proceeds from the sale to buy a property of your choice, or treat yourself to a car, holiday or home improvements.
Inheriting a house soon? How to prepare
A grant of probate is a legal document which allows the Executor of the estate to action the Will. You can apply for probate by yourself and save thousands of pounds in fees. Our guide explains more about the process.
If the property has a mortage, you find out the name of the lender from the ‘Title Register’ of the property if there is one. This service costs £7 from the Land Registry’s official website.
Find out whether the property has buildings insurance. You will need to purchase a specific empty or unoccupied property insurance cover.
Contact the Water, Gas, Electricity and Council Tax to inform them to put the bills on hold.
Many people feel that letting the property will cause extra stress and unecessary attachment to it. If memories of the past are likely to be painful, you will probably wish to consider selling the property rather than living in it.
If you decide you want to sell the house you’re due to inherit, Property Saviour can help you on this journey and give you a quick cash offer for your probate property.
Free house clearance: our gift to our clients
When family members die suddenly or they have suffered long term ill health, they may have accumulated a lot of possessions that the next-of-kin no longer want, nor have space for. Older people may have a propensity to hoard ‘collections’ of treasured memories, however, out-of-date items and unhygienic waste can pile up. You may have been wondering how to cope with all the clutter before you sell up?
When selling via an estate agent, this is all the seller’s responsibility to deal with – and it can be extremely upsetting. At Property Saviour, we understand these circumstances can be incredibly painful for the loved ones left behind, therefore we also offer you a free house clearance service with any house sale – should you require this, please just ask. Hoarding UK also offers a free helpline and support groups, including hoarding forums for the BAME and LGBTQ+ communities.