Sell Despite Debt

Sell your house with a charging order

A charging order on your property does not stop you from selling. When the sale completes, the debt is repaid from the proceeds. HouseBought4Cash buys properties with charging orders for cash - quickly and without fuss.

We understand this is a stressful situation. We handle the process sensitively and without judgment. Get a cash offer within 24 hours and choose your own completion date.

Free valuation. No obligation. No fees.

How a sale works with a charging order

Get your cash offer

Enter your postcode and tell us about your property. We will provide a fair cash offer within 24 hours, taking into account all debts secured against the property.

Solicitors are instructed

We instruct and pay for solicitors to handle the conveyancing. They will obtain a redemption figure from the charging order creditor as part of this process.

Completion day

On the day of completion, your mortgage (if any) and the charging order debt are repaid from the sale proceeds. The charging order is automatically discharged.

You receive your equity

Any remaining equity after repaying secured debts is transferred to you on completion day. You are free from the charging order and any associated stress.

Important: do you have enough equity?

To sell with a charging order, you need enough equity in the property to cover all secured debts - your mortgage, any other secured loans, and the charging order. Here is a simple calculation:

Sale price
- Mortgage balance
- Charging order debt
- Any other secured loans
= Your equity (must be positive)

If you are in negative equity (your debts exceed the property value), a sale may still be possible if your mortgage lender agrees to a shortfall arrangement. Contact us to discuss your specific situation - we are experienced in dealing with complex debt situations and can advise on the options available to you.

Get a no-obligation cash offer today

We understand that debt-related property sales are stressful. We will handle everything sensitively and efficiently. Cash offer within 24 hours.

No obligation. No fees. Cash offer within 24 hours.

Frequently Asked Questions

Charging orders and house sales - questions answered

A charging order is a court order that secures a debt (typically an unsecured debt such as a personal loan, credit card debt, or county court judgment) against your property. Once granted, the charging order means the creditor has a legal interest in your home, similar to a second mortgage. The debt secured by the charging order must be repaid if you sell the property. Charging orders are granted by the court when a creditor has already obtained a county court judgment (CCJ) against you and you have failed to pay it.

Yes, you can sell your house with a charging order. The charging order does not prevent you from selling - it simply means that when the property is sold, the debt secured by the charging order will be repaid from the sale proceeds before you receive any remaining equity. Your solicitor will discharge the charging order as part of the conveyancing process. You must have sufficient equity in the property to cover the charging order debt (and your mortgage, if applicable) after the sale.

A creditor with a charging order can apply to the court for an order for sale, which would force the property to be sold to repay the debt. However, courts are generally reluctant to grant orders for sale, particularly if the property is your family home, if other people live there, or if the debt is relatively small compared to the property value. Courts will consider all the circumstances. If you are concerned about an order for sale application, you should seek legal advice. Selling voluntarily is almost always a better outcome than a forced sale at undervalue.

When you sell your house, your solicitor will request a redemption figure from the charging order creditor, just as they would request a redemption figure from your mortgage lender. On completion, the debt secured by the charging order is repaid from the sale proceeds, and the charging order is automatically discharged. The remainder of the equity (after repaying the mortgage and the charging order) is paid to you. As a cash buyer, we are experienced with sales involving charging orders and work closely with solicitors to ensure a smooth process.

We can typically complete on a property with a charging order in 2 to 4 weeks. The main variable is obtaining the redemption figure from the charging order creditor, which can sometimes take a little time. We are experienced with these situations and can manage this process efficiently. If you are under pressure from a creditor or facing an application for an order for sale, let us know and we will work to move as quickly as possible.

We Understand This Is a Difficult Time

Need to sell an inherited property?

Get a fair cash offer for your inherited house within 24 hours. No obligations, no estate agents, no chain. We buy probate properties in any condition.

Cash offer in 24 hours

We buy before or after probate

Any condition - no repairs needed

Free inherited property valuation. No obligation. No catches.