Property Saviour logo

Selling Your Property Due to Poor Health

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

Table of Contents

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

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

We proudly show off our customer stories and testimonials to ensure you feel safe with us, because there are many we buy any property buying companies on the internet who will offer a higher sale price to lure you in.

They give constant delays and excuses to tempt you to just accept their new lower offer. We are not like them. We’re transparent and honest throughout the whole process.

Why Suffering From an Illness Could Make You Sell Your House?

Chronic illness, disability and the home environment

Anyone suffering a long-term physical or mental health condition, or looking after a relative with such, will be  acutely aware that their needs can vary day-to-day, and month-to-month.

Some conditions sadly progress to the point whereby sufferers need occupational health adjustments or disability aids such as stairlifts, handrails, ramps, ceiling hoists and wet rooms installed in the home.

However, some properties are simply not suitable in size, construction or location to undergo such adjustments.

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 illness 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.

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.

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:

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.

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 selling price will be in line with your expectation or its true market value.


Data 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 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 auctioneer’s 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 public will have access to your address and someone could just turn up without an appointment for a viewing or approach neighbouring homes in your area with a viewing to asking probing questions about why your property is being sold at auction.


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 19 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 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.

Don't risk selling to scammers

We're honest, ethical and transparent.
Skip to content