Industry data
Average Cash Offer Percentage (UK)
Genuine UK cash house buyers typically pay 75–85% of market value in 2026 — the discount is the price of speed, certainty and zero fees. Brokered or “we buy any house” offers can start higher and then be reduced near exchange, so the final percentage matters more than the first number. This report breaks the figure down by buyer type, property and region.
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- 75–85%genuine cash buyer
- 80–85%standard, good-condition home
- 70–80%problem / non-standard property
- £0fees deducted by us
What percentage do cash buyers pay?
For a standard, mortgageable home in reasonable condition, a funded cash buyer in 2026 typically offers 80–85% of open-market value. Offers fall toward 70–80% for properties with short leases, structural issues, subsidence, fire/flood history or legal complications, because the buyer prices in risk, works and holding costs.
Average offer by buyer type
| Buyer type | Typical % of market value | Speed |
|---|---|---|
| Genuine cash buying company (NAPB) | 75–85% | 7–28 days |
| Professional investor | 70–85% | 2–6 weeks |
| Auction (hammer price) | 75–90% | 6–10 weeks |
| Open market (estate agent) | 95–100% | 4–6 months |
Offer as a share of value
- Get your real value from sold comparables, not an online estimate — see how much is my house worth?
- Compare several offers and ask each buyer to confirm the figure in writing.
- Check proof of funds, NAPB membership and TPO registration before agreeing.
Methodology & sources
Ranges are 2026 working estimates from NAPB and sector norms, HM Land Registry sold-price data and Ready Steady Sell enquiry data. Actual offers vary by property, condition, location and buyer. Verified figures and citations follow on release; see our data standards.
- RSS Quick-Sale Data Report 2025 (our own data) — Our own figures from 5,000 enquiries: vetted buyers paid 80– 92% of value, 27-day average completion, and a 0% cash fall-through rate vs ~30% on the open market.
- Fast Sale Industry Report 2026 — The size, shape and direction of the UK quick house-sale market — volumes, players, pricing and where the sector is heading.
- Fast Sale Completion Times by Company — How long a genuine cash sale takes from offer to completion, benchmarked against the open market and by buyer category.
- Property Investor Purchase Data — Who is buying, what they pay, and which strategies (BTL, BRRR, flips, lease options) drive UK investor purchases in 2026.
- Probate Property Sale Statistics — How long probate property sales take, how often they fall through, and what executors typically achieve on price.
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Frequently asked questions
Straight answers, no sales talk
What percentage do cash buyers pay?
For a standard, good-condition home, funded cash buyers typically offer 80–85% of market value in 2026; problem properties fall to roughly 70–80%.
Why is the offer below market value?
The discount pays for speed, certainty, no fees and the buyer taking on any works and holding costs. Watch for offers that start high and are reduced near exchange.
