Updated October 2026 · Fraser Bond
Buying · Cash only
"Cash buyers only" explained
Shortlease
Non-standardbuild
Defectsor no kitchen
Speedwanted
In short: "Cash buyers only" means the seller will only accept buyers who don't need a mortgage. Usually that's because lenders won't lend on the property, for example a lease under about 80 years, non-standard construction, structural problems, no working kitchen or bathroom, or a flat above a commercial unit. Sometimes the seller simply wants speed or is selling at auction. These properties can be bargains, but get a full survey and legal advice, and check whether the problem can be fixed so that it becomes mortgageable later.
Before buying cash-only
Frequently asked questions
Keep exploring
BUYING GUIDE
Due Diligence Before Buying a Property: The Complete ChecklistBUYING GUIDE
House Viewing Checklist: What to Look For and AskBUYING GUIDE
Property Searches Explained: What Your Solicitor Checks
Due Diligence Before Buying a Property: The Complete ChecklistBUYING GUIDE
House Viewing Checklist: What to Look For and AskBUYING GUIDE
Property Searches Explained: What Your Solicitor Checks
Browse every guide in Buying and Selling in London Hub → · London area guides →
Handy tools
Stamp duty calculatorRental yield calculatorMove-in costsBTL deposit calculatorRefurb cost per m²
Search homes for sale
Browse current homes and new instructions.
Get startedBrowse current homes and new instructions.
Can I get a mortgage later?
Often, once the problem is fixed.
Are cash-only homes cheaper?
Usually, reflecting the risk.
