You Can Still Sell — Even With Arrears Mortgage arrears do not prevent a sale. Civic Rescue purchases homes directly from homeowners in arrears — clearing the debt at completion and protecting whatever equity remains.
Many homeowners assume that arrears make a sale impossible. They do not. We are a principal property buyer operating across England, Scotland and Wales. We purchase your home directly, settle your arrears in full at completion, and transfer remaining equity to you the same day. Written offer within 24 hours of your call.
What best describes your situation right now?
This helps us understand how urgently we need to act for you.
A straightforward process — even in complex situations.
Five steps from first call to clean break. We do the heavy lifting; you keep the equity.
You call us — we respond immediately
One conversation is all it takes. Tell us about your situation and we will tell you honestly whether we can help. No credit checks. No forms at this stage.
We confirm a written offer within 24 hours
Based on an independent desktop valuation. Fixed price — not subject to change at completion. We confirm the figure in writing before you commit to anything.
Our solicitors manage everything
We instruct and pay for all conveyancing. You do not need to find a solicitor, attend any appointments, or pay any legal fees at any stage.
Arrears paid directly to your lender
We pay your outstanding arrears directly to your mortgage lender as part of the transaction — often sufficient to pause proceedings before legal completion.
Completion — equity transferred to you
On the day of legal completion, your mortgage is cleared, arrears settled, and any remaining equity transferred to your account. Clean break.
What makes this different from the open market.
No estate agent required
No listings, no viewings, no chain. We buy directly — you deal with one buyer from the first call to completion.
Arrears do not reduce your offer
We factor arrears into the transaction — not into our offer price. The arrears are cleared from sale proceeds at completion, not deducted from what we pay you upfront.
Active proceedings? We can still help
If a possession order has been issued or a court date is set, we can issue a Rescue Certificate — court-ready documentation that can pause proceedings while a contracted sale is in place.
No hidden fees
Our offer is what you receive, less the outstanding mortgage and arrears. No estate agent commission, no legal fees, no administration charges. We pay all conveyancing costs.
See how much equity could be protected.
Indicative figures only. We confirm the exact offer in writing within 24 hours of your call.
Civic Rescue makes commercial property purchase offers. We are not debt advisors and do not provide regulated financial or mortgage advice. We recommend all clients seek independent legal advice before proceeding.
Commonly asked questions.
Straight answers to the questions homeowners with mortgage arrears ask most often.
The first call costs nothing.
And it might change everything.
We give you an honest, no-obligation picture of what we can protect — and call you back immediately. Your details are never shared with any third party.
Civic Rescue operates as a principal property buyer and does not provide debt advice, regulated mortgage advice, or FCA-authorised services. We strongly recommend all sellers seek independent legal advice before proceeding — and we pay all reasonable legal costs as standard. If you are in financial difficulty, Citizens Advice can also help: 0800 144 8848.