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Selling Your Property Due to Poor Health

Selling your home urgently to pay for end of life care?

If you are looking to sell your home due to illness or injury, we can help.

By making a cash offer for your property, you can downsize into a bungalow & move into a retirement apartment that offers independent living.  Whatever your situation, we’ll buy your house fast for cash.

Don’t suffer in silence, and let us help.

Whether you are looking to avoid selling your house to pay for care or wish to gift surplus cash to your children, we can help.

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Trustworthy cash house buyers for those struggling with ill health, injury & disability

Property Saviour is an established and trustworthy quick house sale company, and we’ve bought houses all over the UK.  Sell any house in Wales or England for people needing money fast to fund their long-term healthcare.

No more sleepless nights worrying about the sale of your property.  Don’t suffer in silence; let us help.
You can sell any property in any condition to us.

We proudly show off our customer success stories to ensure you feel safe with us because there are many ‘we buy any property’ companies on the internet who will offer a higher sale price to lure you in.  However, there will be delays and excuses to reduce the price at the last minute.

We are not like them.  We’re transparent and honest throughout the selling process

Let us hold your hand and make selling your house a breeze.  Here’s why sellers approach us:

auction hammer

Property Saviour Price Promise

  • The price we’ll offer is the price that you will receive with no hidden deductions.
  • Be careful with ‘cash buyers’ who require a valuation needed for a mortgage or bridging loan.
  • These valuations or surveys result in delays and price reductions later on.
  • We are cash buyers.  There are no surveys.
  • We always provide proof of funds with every formal offer issued.

We'll Pay £1,500 Towards Your Legal Fees

  • No long exclusivity agreement to sign because we are the buyers.
  • You are welcome to use your own solicitor. 
  • If you don’t have one, we can ask our solicitors for recommendations.
  • We share our solicitor’s details and issue a Memorandum of Sale. 

Sell With Certainty & Speed

  • Our approach is transparent and ethical, which is why sellers trust us.
  • 100% Discretion guaranteed. 
  • We can help you negotiate the purchase purchase with your next purchase.
  • Complete in 10 days or at a timescale that works for you.  You are in control.

Should I sell my house because of a critical illness?

It all depends on your personal care needs now and in future.  Will funds be enough to pay for long-term care?  

Selling your home or downsizing is a complex process, even a little more so for those with additional care needs.  The process can take its toll, and that’s why we are here to help you through it.

Your daily needs will vary day-to-day, and anyone suffering from a mental health condition, such as hoarding or a physical disability, will need to either adapt or consider buying another home.

selling house due to illness
If you live in a home you love, home adaptation grant may be the answer. Having a wheel chair friendly bathroom helps with daily routines.

Are home adaptations free?

If you are a council tenant, you may be eligible for free home adaptations. If you own your own home or rent from a private landlord, you can apply for a Disabled Facilities Grant to help cover some or all of the costs associated with the adaptation work.

What is disabled facilities grant?

Disabled Facilities Grants are available to help cover the cost of making changes to your home to promote safety and independence. People of all ages and tenures can apply to their local council to access the grant.

Is the disability facilities grant means tested?

The Disabled Facilities Grant is means tested. This means that you may be responsible for paying a portion or all of the costs associated with adapting your home.

Can I get a grant to adapt my home?

The grant is to help you pay for the cost of adapting your home to meet your needs and can cover things such as ramps, stair lifts, ceiling hoists, wet rooms, widening doorways and level access showers.

If you have a disability, you may be eligible to receive a Disabled Facilities Grant from your local council. To be considered, an occupational therapist must assess your needs and determine if the adaptation work is necessary. This grant is designed to help with the costs associated with adapting your home to meet your requirements.

How do you adapt a disabled person to a home?

Your home can be adapted to make it safer and easier to navigate. 

These can range from small modifications such as grab rails and widened doorways to larger alterations like stairlifts and outdoor ramps. Kitchen worktops can be lowered, and security systems, like outdoor lights and intercoms, can be installed. A bath lift or walk-in shower can be added to make bathing more comfortable. 

How much can you get for Disabled Facilities Grant?

In England, the maximum amount that can be granted through a Disabled Facilities Grant (DFG) is £30,000.

In Northern Ireland, this amount is £25,000, and in Wales, it is £36,000.

To ensure the grant is paid, the local authority must be satisfied that the work is completed to their approval.

Can I get a free stairlift?

It is possible to get the full cost of a stairlift covered through financial aid. This means you can essentially get a stairlift for free. However, applying for financial aid for a stairlift is not as straightforward as getting a free stairlift fitted through a local council or charity.

Do you have to pay back a disabled facilities grant?

Disabled facilities grants do not usually need to be repaid. However, if you are a homeowner and your grant amount exceeds £5,000, then you may be asked to repay a portion of the money if you move within 10 years. Please verify the conditions with your local authority.

Some properties are not suitable in size, construction or location to undergo such adjustments.

Selling house due to illness means making lifestyle changes with a likely outcome being downsizing.
Often a loss of life partner can result in health deteriting of the surviving partner.

Moving home to improve your mental health

Mental health conditions and mood disorders, including Bipolar Disorder, Borderline Personality Disorder (BPD), Depression and Anxiety, may require careful planning to ensure the person can benefit from their new surroundings – be it safer, brighter, less busy or simply closer to where they receive therapy or supportive care.

Nuisance neighbours also contribute to a poor quality of life, which may cause particular distress to people with Schizophrenia, Psychosis or Autism. Selling your home through Property Saviour may be the best way to hastily rid yourself of the ongoing upsetting situation.

Impact of chronic health conditions on where you live

If you have any of the following conditions, you may have already considered moving home to somewhere more suitable, selling up to move back in with relatives, or selling your home to pay for long-term or end-of-life care. 

We have helped clients who needed to move home due to excessive damage from dry rot, which can be hugely detrimental to asthmatics and people with respiratory illnesses due to the invasive nature of the mould spores.

Conditions that carry the burden of daily pain and fatigue make it difficult to remain in employment; our team have met some amazingly brave people who sold their home through us to free up cash funds, allowing them to downsize to a more affordable home.

Preventing falls and injuries at home

Falls cause around half of all accidental home deaths. Your elderly loved one might find the house layout difficult due to dementia. They might struggle with stairs or moving around a non-wheelchair-friendly property.

Sadly, broken bones and head injuries are common. It’s best to plan ahead to reduce risk. Selling the home to buy a more suitable one could save a life.

Accessibility upgrades can be prohibitively expensive


If you can’t secure assistance from the local council or disability charities for home adaptations for the elderly or disabled, the cost of self-funded refurbishment can be steep.

If you need to renovate the bathroom, widen corridors, install a lift, or make your garden accessible, it could be more economical to find a new home that better suits your health needs.

Unmanageable debts due to illness?

Selling with us is quick and simple.

I sold a commercial property to Property Saviour due to poor health. They were able to purchase the property quickly and I was updated regularly throughout the process of the sale.

Selling your home urgently to fund end-of-life care

Hearing that a loved one has a terminal illness is always challenging. Arrangements need to be made, including their care and deciding where they’ll spend their final days.

Most individuals in England lack the necessary savings or capital to cover inevitable costs, often leading them to contemplate liquidating assets, especially their most valuable ones such as property. We’ve crafted a detailed article explaining how to bypass the necessity of selling your home to pay for care.

Terminal Illness and Mortgage Payments

Following a terminal diagnosis, you’ll need prompt and straightforward advice regarding your changing financial circumstances. We aim to be supportive, honest, empathetic, and empowering.

Your mortgage provider is obliged to provide support and payment plans if your illness affects your ability to work or income.

Make sure they’re aware you’re a vulnerable customer with a terminal condition, as Financial Conduct Authority (FCA) regulations require them to handle your case considerately and with sensitivity to your financial status.

It is important to plan ahead to prepare for selling a house to pay for care.
Once children have flown the nest, a house can become a burden due to its upkeep and all the bills.

Critical illness cover, mortgage protection and benefits

For those undergoing life-changing treatments like chemotherapy, dialysis or blood transfusions, maintaining previous employment or balancing part-time income with monthly expenses could be challenging.

If you hold Mortgage Protection Insurance (MPI), it could provide coverage under certain conditions.

You can also consider applying for Personal Independence Payment (PIP) to help manage condition-related costs.

If all options are considered and there is still a shortfall, selling your home and moving in with family or seeking residential care could be beneficial.

Our Property Saviour team are well-versed in such circumstances and will give you honest impartial advice to help you feel informed and safe in making your decision.

Funding live-in care and residential rehabilitation

When discussing the topic of residential care for your spouse, parent or loved one, the elephant in the room will be the subject of how this would be funded.  According to ONS around 35% of care is self funded.

As the child or partner, you may not be able to afford to pay for a residential nursing home.  Therefore you will need to consider helping the person to sell their home to pay for it.

Perhaps you already have been granted Power of Attorney (POA) to manage their affairs if they are no longer mentally capable of making their own decisions? In this case, we would deal with you directly and offer you the support to see the house sale through quickly, with minimal stress and disruption to your lives.

Will I have to sell my home to pay for care?

If you are applying to the council for residential care, this is usually means-tested, which means that the amount you will pay will depend on the level of your savings and capital assets such as your home.  You may not have to sell your house to pay for care if you are a surviving spouse living at the property.

For those who do not have adequate savings in the bank, or any stocks, shares and investments to sell, the likelihood is that you will indeed need to sell your home.   

According to the NHS website, care fees across the UK will typically cost:
  • £600 a week for residential care
  • £840 a week for a nursing home
  • Greater for those with dementia, COPD and other more serious conditions 
Most elderly people prefer independent living as opposed to moving into a care home.
Most people prefer independent living as opposed to moving into a care home.

Easiest way to sell your house due to illness

You have four potential options including:


Estate agent

If you need to sell your home, you may wish to consider instructing an estate agent.  You will get close to market value. However, it can take several months, and the buyer can pull out without giving a reason. 

In the current market, it can take up to a year for a sale to conclude.


Auction your house

Another option is to auction your house.  Property auctions can be a minefield for the inexperienced seller, we have seen unethical sharp practices.  

Once an auctioneer has given you a valuation and you have given him/her the nod of approval, your property listing goes live on Rightmove, resulting in endless viewings, but there’s no guarantee that the selling price will be in line with your expectation or its true market value.

Our experience suggests that you will have to put in a low guide price to get prospective buyers interested.

In addition to this, not all auction houses are the same.  Each auction company specialises in selling a certain type of stock.  For example, if you have a residential property to sell, it is pointless to list it with an auction room that specialises in selling commercial properties. 

The stigma with auctions is that your property’s details, including full address, will be published online forever.  This is something that you may not be prepared for. 

One thing auctioneers can’t do is guarantee you that your property will sell in an auction.

If a property does not sell at auction, it will be withdrawn from sale. However, if a property has not sold at an auction, but a bid has been made below the reserve price, then the seller can be given the option to consider this by the auctioneer. 

Any member of the public will have access to your address, and someone could turn up without an appointment for a viewing or approach neighbouring homes in your area with a viewing to ask probing questions about why your property is being sold at auction.

Professional Cash House Buyers

As professional cash house buyers, we are not reliant on mortgages.  Therefore, we can buy your property with great speed and efficiency. We can prove we have the funds available, unlike many house-buying companies online.  Just ask them! 

Our average completion takes just 10 days, which includes weekends too. We can usually exchange contracts on the date of your choosing and allow the person to live in the property until alternative care arrangements are fully in place.  You can read more about us.

We offer a real alternative to property auctions

Rather than taking a risk with a property auction, why not sell now using our we buy any house service?  We do not mind if your property needs work or if there is a legal issue.

A private sale means there’s no wait for the next auction, and we pay your legal fees.


I found these guys online and was a little bit sceptical at first as I've read horror stories about some house buying companies... but it ended up being super easy.

Sell Your House Without Stress

We're honest, ethical and transparent.

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