Civic Rescue is a principal property buyer. We purchase homes directly — quickly and fairly — giving you the documented proof of sale you need to stop a repossession in its tracks.
Civic Rescue makes commercial property purchase offers. We are not debt advisors and do not provide regulated financial or mortgage advice. We recommend all clients seek independent legal advice before proceeding.
Civic Rescue makes commercial property purchase offers. We are not debt advisors and do not provide regulated financial or mortgage advice. We recommend all clients seek independent legal advice before proceeding.
There is an important distinction most homeowners only discover when it is too late. Your lender's obligation is to recover what they are owed — not to maximise what you receive. Properties sold through mortgage possession proceedings typically achieve just 60–85% of open market value — with northern regions such as the North West and North East regularly seeing discounts of 35–50%.
That gap — often £30,000 to £60,000 — comes entirely from your equity. In cases where arrears are significant, homeowners are left with nothing and a County Court Judgment that follows them for six years.
Civic Rescue exists because that outcome is, in most cases, avoidable.
"I was convinced I was going to lose everything. The court letter felt like the end. Within 48 hours of calling Civic Rescue, I had a written offer, my arrears were being handled, and the team had the paperwork ready for the hearing. I walked away with money in my account."
Not every homeowner needs the same solution. We'll talk you through both options honestly — and tell you which one protects more of your equity, even if that's not the faster route for us.
A single conversation is all we need. No forms, no credit checks, no pressure. We'll tell you honestly whether we think we can help before you share anything further.
Based on an independent desktop valuation. The number is clear, fixed, and confirmed in writing — no fees deducted at completion, no last-minute changes.
We manage all legal conveyancing through our own solicitors at no cost to you. You don't need to find, instruct, or pay anyone. Everything is handled on your behalf — keeping the process as simple and fast as possible.
Proof of Funds, Memorandum of Sale, 14-day completion timeline — formal documentation our team can present directly to a court or lender to stay proceedings on your behalf.
We complete on vacant possession. Mortgage cleared, arrears settled, remaining equity transferred to you the same day.
A legally registered Option Agreement gives us the right to manage the sale on your behalf. This creates a demonstrable legal interest that can be evidenced in court to pause proceedings. You do not receive cash upfront — the benefit comes at completion.
We contact your lender directly with written confirmation of the Option and the timeline to sale. In most cases this is sufficient to pause active proceedings while a legitimate sale is underway.
We sell the property on the open market in its current condition. No improvements are carried out. The property is listed, offers managed, and the transaction progressed by our team at no cost to you.
On the day of completion, your mortgage and all arrears are settled in full from the proceeds. Our agreed fee is deducted. The remaining equity balance is transferred to you. No sale, no fee.
The window to act closes faster than most people realise. A first call takes minutes and commits you to nothing.
Speak to Us Now — 01772 000 000 Judges and lender workout teams respond to one thing above everything else: a contracted sale with a credible, funded buyer and a fixed completion date. Not a phone call. Not a promise. A document.
Our platform generates that document the moment your offer is accepted — formally verifiable, court-ready, and lodged with our solicitors within the hour.
Signed letter confirming our unconditional intent to purchase at the agreed, fixed price.
Solicitor-verified confirmation that purchase funds are available, unencumbered, and dated.
A signed Memorandum of Sale showing the exact date your lender receives full settlement.
A pre-drafted court application our solicitors submit directly to request suspension of proceedings on your behalf.
Every commitment below is built into our standard contract — not goodwill, legal obligation.
We are a buyer, not a debt counsellor. We will never tell you what to do — but we will tell you exactly what we will pay and why, before you sign anything.
Our own solicitors manage the full conveyancing from start to completion. You don't need to find a solicitor, make any calls, or pay any legal fees. We handle it all — so you can focus on what matters.
We purchase strictly on vacant possession. We will never offer to let you stay in the property after sale — this protects you from unintended legal consequence and ensures a clean break.
Once your offer is accepted and contracts are exchanged, completion is unconditional. No last-minute price reductions. The date in your Rescue Certificate is the date we complete.
Our model only works if you retain meaningful equity. We will decline cases where the numbers don't work for you — and we will tell you honestly when that's the case.
Reaching out when facing repossession isn't easy. Every conversation is confidential. No hard sell. No marketing recordings. We measure our success by the equity we help homeowners keep.
We give you an honest picture of what we can protect within 4 hours of your call. No obligation, no hard sell, and your details are never shared with any third party.
Civic Rescue operates as a principal property buyer and does not provide debt advice, regulated mortgage advice, or FCA-authorised services. We strongly recommend all sellers seek independent legal advice before proceeding — and we pay all reasonable legal costs as standard. If you are in financial difficulty, Citizens Advice can also help: 0800 144 8848.