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The inevitable has happened. The house you bought together is now at risk because you decided to get divorced or end the relationship. There comes a point where you have to decide how best to tackle the joint property you own once you’re no longer a couple, and figure out whether it’s best to sell the house, let one person live there. Or, if you’re still on speaking terms, let the house and split the rental income between you.
Reasons people sell their home fast after splitting up
Joint homeowners: Selling your jointly owned home
Property Saviour has been helping people like you deal with a house sale after their divorce or relationship breakup for many years, both in our local area of Leeds, West Yorkshire and across England. Our small friendly team of experts understand that it’s a difficult time, often fraught with high emotion and difficult memories.
As husband and wife you may have held separate assets, combined everything, or a mixture of both. Let us help you make a clean break from the past and free up cash to enjoy the next part of your life’s journey.
If you are a couple who are joint owners of a property, you both need to agree to sell in order for the sale to go ahead. Otherwise, if the relationship is not on speaking terms, you may have to apply for a court order to sell the jointly owned property.
Sole homeowners: Protecting your property after separation
If you are the sole owner of the property, you can sell the property. Please make sure you have legal advice regarding splitting up of assets before you sell.
- Unmarried sole owners: For those who are unmarried with sole ownership, selling the property enables you to pay debts, settle any secured loans and IVAs or simply share the proceeds with your ex-partner.
- Cohabiting couples: Couples who live together are not dealt with in the same way under UK Law as married couples. The aim is to compensate the non-homeowner for their contribution to the mortgage, household bills and substantial home improvements for the years you were living together.
- Relationship status: Regardless of whether you were just dating, in a ‘complicated’ situation or engaged, you must still consider all the valid financial facts and points of law, since property ownership can be a complex minefield of who did what, when, how, and who paid for what.
Whether you’re newly single or enjoying a blossoming relationship, we can provide confidential and impartial advice to help you recognise the pitfalls when dissolving assets, avoid huge fees and legal costs.
Stress-free and transparent.
2021: Divorces are at an all-time high
Sadly, the rate of couples getting divorced now is higher than at any point in the last 50 years. Lifestyle and moral values plus external stressors on the relationship often contribute, as does the strain of joint property ownership and shared financial responsibilities in an ever-changing, fast-paced world. The inevitable fallout from the Coronavirus Pandemic has also led to increased pressure on families, with the loss of individual freedoms, altered working environments and a backlog of patients waiting for treatment under the NHS.
Divorce forcing a quick sale?
Adultery, cheating and unreasonable behaviour
We obviously wouldn’t wish to speculate on any relationship situation, but according to official sources by the Office of National Statistics (ONS), adultery still remains the most common cause for divorce. The rise of easy-to-access dating sites, neglect of one partner’s needs if the other is a workaholic, alcoholism, gambling and substance use disorders. Alarmingly, domestic violence (to both men and women) can become untenable factors in maintaining a healthy relationship. Keeping a home together when you feel trapped, anxious, unloved, sexually neglected or mentally drained is often too much to cope with. Once you’ve decided to make the break, the reality sets in that there are assets to consider.
Domestic violence helplines
As a responsible and ethical company registered in the UK, we would always advise you to seek support for any domestic violence situations. Get independent financial advice regarding the relevant legal channels for your circumstances, before you make any long-term decisions about selling your home.
Your safety must always be a priority.
How to sell your house fast when splitting up
There are several options if you want to sell your house before or after a relationship or marriage breaks down. Estate agents may not be suitable for some people as they will bring potential buyers to the house for viewings, which could worsen your situation if you are trying to arrange this secretly without your husband, wife or ex-partner knowing. They can also take 3 to 6 months to sell, and charge fees and commission that may not be able to afford.
Selling at auction is another option, particularly if the house is run down, neglected or not up to the usual standard a buyer would require. Selling at auction is complicated if you don’t understand the process, with fees to the auction house payable, plus fees for marketing materials. If you would like to go down this route, our Property Saviour team can help you with an assisted sale at auction.
The quickest and simplest option is often to sell your house to us, for cash. We are the buyer, so there is no middle man and you deal with one of our Property Specialists throughout the whole process. That means we can answer any questions you have, and be there to support you with any additional needs, such as arranging a house clearance or working with our trusted solicitors and regulated financial advisers to advise you on relevant legal aspects and tax implications of liquidating your property following your break up.