EST. 2026 · UK
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 confirm an offer in writing within two working days of viewing.
Kept
Partner docket
Worked example · £280,000 sale
YOUR TOTAL EARNINGS
Up to £7,280
All figures + VAT. Resale fee conditional on resale. Disclosed to the seller in writing per NTSELAT guidance.
Property Redress Scheme · HMRC AML supervised · ICO registered · Fees disclosed per NTSELAT guidance
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. Held for a week so your client can take advice.
Within two working days of 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.
And the maths behind the figure — market estimate, our margin, the number we sign — is shown to your client exactly as it is shown to you. Nothing reaches them that you haven’t seen.
Ref BW-2026-0142
Binding offer document
PROPERTY
14 Acacia Avenue, Stockport SK4 3HQ
OUR CASH OFFER
£244,000
LOCKED · 72 HOURS
Signed for and on behalf of Kept
A. Taylor
This offer is binding upon Kept for a week from issue.
Every deal gets a live timeline page — no portal, no login, one link. Seller, agent and solicitor all see the same update at the same moment: solicitors instructed, searches ordered, survey booked, exchange targeted. When your client calls asking what’s happening, the answer is already in their hand.
No chasing our side for updates. If a step slips, the timeline says so — we’d rather show you a delay than hide one.
Live timeline
Sample · no login
14 Acacia Avenue, Stockport SK4 3HQ
Offer accepted
Mon 09:12
Signed offer countersigned by the seller.
Solicitors instructed
Mon 16:40
Both sides instructed. Proof of funds shared.
Searches ordered
Tue 10:05
Local authority and drainage searches submitted.
Survey booked
Thu, agreed with seller
RICS survey arranged with the seller.
Exchange
Ahead
Target date agreed by both solicitors.
Five fields. An indicative figure appears as soon as you submit, pulled from HM Land Registry comps. We then view the property and confirm a signed offer within two working days 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.
Property Redress Scheme
Members of the PRS, a government-approved independent redress body. If we get something wrong, you have somewhere to take it that is not us.
Verify at theprs.co.uk →The Property Ombudsman code
We voluntarily follow the TPO code for seller-facing communications, although cash buying does not require it.
Read the code at tpos.co.uk →HMRC AML supervised
Registered with HMRC for anti-money-laundering supervision under the Money Laundering Regulations 2017.
See our full regulatory status →ICO registered
Registered with the Information Commissioner’s Office as a data controller. Your details are handled under UK data-protection law.
Search the ICO register →Cash property buying is not regulated by the FCA, so no FCA-authorisation claim appears above. What that means for you is set out plainly on our regulatory status page.
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