Drowning in debt? Your property could be your way out.
When debts become unmanageable, your home can feel like both a burden and a lifeline. Selling can clear what you owe, remove charging orders, settle creditors in full and give you a genuine fresh start — on your terms, not theirs.
Complete confidentiality
Nobody needs to know. No “For Sale” board, no viewings, no estate agent. We deal with you privately by email and phone, and our solicitors handle everything discreetly.
Clear debts in full
Use the sale proceeds to settle everything — mortgage, charging orders, unsecured debts, council tax. One transaction, a clean slate.
No judgement, ever
We’ve helped people in every situation imaginable. Debt happens. We’re here to help you solve it, not to ask how it started.
You’re not alone
Debt is far more common than people admit
Millions of people in the UK are struggling. The stigma is worse than the reality — and there is a way through.
Your worries, answered
The things people actually worry about
We’ve spoken to enough people in this situation to know the fears that keep you awake at night. Here’s the reality.
“Selling my home means I’ve failed.”
It means you’re taking control. Choosing to clear your debts and start fresh is the opposite of failure — it’s the most decisive, responsible step you can take. The people who fail are the ones who ignore the problem until the bailiffs arrive.
“I don’t want anyone to know about my debts.”
Our process is entirely confidential. No “For Sale” board, no viewings, no open houses. We communicate by email and phone, our solicitors handle everything discreetly, and most completions happen without anyone beyond your solicitor knowing the reason for the sale.
“I owe more than the house is worth.”
If that’s the case, we’ll tell you upfront — we won’t waste your time. But most people overestimate their debts and underestimate their equity. Let us look at the real numbers before you assume the worst.
“The bailiffs are coming — it’s too late.”
A sale can happen faster than enforcement. We can complete in as little as 14 days. Once contracts are exchanged and a completion date is set, enforcement action is typically suspended. Call us — there is almost always more time than you think.
Worked example
How selling clears the debt and protects your money
This is an illustrative example showing how unmanageable debt compounds and what a quick sale can prevent. Your numbers will be different, but the shape of it is almost always the same.
Scenario: 3-bed semi, Manchester — £35k unsecured debt with charging orders
RICS valuation £195,000. Outstanding mortgage £120,000. Unsecured debts totalling £35,000 secured by charging orders against the property. Monthly interest on unsecured debt: £290. Creditors pursuing enforcement.
Route A: Wait while debts compound
Route B: Sell to Lamala in 14 days
Important: this is a hypothetical illustration, not a guarantee. Actual offer prices, debt totals and settlement figures will vary by property, location, condition, market conditions and your creditors. We’ll walk you through your specific numbers in writing before you commit to anything.
How it works
From first call to debts cleared
We’ve built this process specifically for people who need a way out. Each step has a clear timescale and a clear purpose.
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Tell us your situation
Day 1 · 15 minutesFill in the form or email us. Share the basics: property, mortgage, what you owe and to whom. You don’t need exact figures — estimates are fine. Everything is confidential and there’s no judgement.
You feel: heard, not judged. Someone is finally listening. -
Indicative cash offer
Within 72 hoursWe send an indicative cash offer by email, based on your postcode, property details and recent comparable sales. This gives you a clear ballpark — and an honest picture of whether a sale can cover your debts.
You feel: clarity. Real numbers, not vague promises. -
RICS valuation & formal offer
Day 5–8An independent RICS surveyor visits the property at our cost. We then issue a formal written cash offer confirming the final price. Our solicitors identify all charges on the property and work out what needs to be settled on completion.
You feel: in control. Every number is in writing. No surprises. -
Exchange & completion
Day 10–14Contracts exchange, mortgage is redeemed, all charging orders and debts are settled directly from the sale proceeds by your solicitor. Any remaining equity is transferred to your account. You walk away debt-free.
You feel: free. The weight is gone. A genuine fresh start.
Frequently asked questions
Answers to common questions
Yes. Charging orders are settled from the sale proceeds at completion, just like the mortgage. Our solicitors handle this routinely — they’ll obtain redemption figures from each creditor and ensure everything is paid in the correct priority order.
You can still sell, but you’ll need your Insolvency Practitioner’s consent. In most cases they’ll agree because a sale generates funds to pay creditors. We can liaise with your IP directly to make the process as smooth as possible.
Yes. Council tax arrears can be settled from the sale proceeds at completion. If the council has placed a charge on the property, our solicitors will handle it as part of the conveyancing process.
You don’t need to notify creditors in advance. Once contracts are exchanged and completion is scheduled, your solicitor will contact each creditor to obtain final settlement figures. They find out when they get paid — not before.
Secured debts (mortgage, charging orders) are cleared from the sale proceeds at completion. For unsecured debts without a charge on the property, you can choose to use your remaining equity to settle them — or negotiate directly with creditors. Our solicitors can advise on the best approach for your situation.
Free independent help
Other places you can turn
Whether you sell to us or not, these free and independent organisations specialise in helping people with debt. Please use them — they are excellent.
StepChange
Free, comprehensive debt advice. They can help you understand all your options, including IVAs, DROs and bankruptcy.
stepchange.org →National Debtline
Free phone advice on bailiffs, court orders, charging orders and what creditors can legally do.
0808 808 4000 →Citizens Advice
Your legal rights when dealing with creditors, bailiffs and debt collectors. Free, confidential.
citizensadvice.org.uk →MoneyHelper
Government-backed free guidance on debt management, budgeting and financial planning.
moneyhelper.org.uk →Mind
Mental health support. 76% of people in debt say it affects their mental health — you don’t have to cope alone.
mind.org.uk →Samaritans
If it’s all feeling too much, call 116 123 free, any time, day or night. They listen.
116 123 (free, 24/7) →You don’t have to keep drowning
Let us take a look at your property, give you a cash figure in writing, and show you exactly what clearing your debts would look like. No obligation, no judgement, no pressure at any stage.
Request a free valuationPrivate · no fees · no pressure · you can stop at any point