Key Facts
| Company name | Proper Offer |
|---|---|
| Also trading as | Proper Offer; properoffer.co.uk |
| Companies House no. | Not confirmed as of June 2026 |
| Incorporated | Not confirmed |
| Year founded | 2013 (per website FAQ) |
| Corporate structure | Unknown |
| SIC code | 68100 |
| Operating model | Direct cash buyer (mixed internal/external funding) |
| Geographic coverage | England and Wales |
| Typical offer | Not stated — sector norm is 70-85% of market value; negative equity route may involve different structures |
| Typical timeline | 30 days average (company claim) |
| Legal fees | Free |
| TPO member | Yes |
| NAPB member | Yes |
| Official website | properoffer.co.uk |
PSW Company Index
Three independent measures, built from verifiable data rather than the company's marketing: how its offer compares with the cash-buyer sector, how quickly it completes, and how openly it operates. Every input is shown so you can check the working.
Transparency signals
Good-practice signals
- Member of The Property Ombudsman (TPO)
- Member of the NAPB
- Complaints procedure published
- Typical offer level disclosed
- Data protection / privacy in place
- Independent redress / ombudsman route
- Legal fees policy stated
Contract red flags
- Conditional or hidden fees noted
- Late price-reduction pattern
- Tie-in / exclusivity required
- Early contract before completion
- Requires use of their solicitors
- Restricts marketing elsewhere
- Exit penalties mentioned
How these are calculated. Offer Fairness ranks the company's stated offer (as a % of market value) within the cash-buyer sector — all cash offers are below open-market value. Completion Speed is the fastest completion the company advertises, shown as a fact, not a score, because most firms advertise a similar best case; confirm any timescale in writing. Transparency adds points for TPO/NAPB membership, a published complaints procedure, a disclosed offer level, data-protection registration, an independent redress route and a stated legal-fees policy, and deducts for contract red flags; only publicly verifiable signals score. Full methodology.
Company Overview
Proper Offer is a direct cash buyer covering England and Wales, founded (per its website) in 2013. It differentiates through a stated specialism in negative equity properties — offering creative solutions where a standard cash offer would not cover the outstanding mortgage. Standard process: online form, virtual property view, formal offer in 24 hours confirmed by RICS survey, completion averaging 30 days. Legal fees covered on panel solicitor. States it will not gazunder on the final post-inspection offer.
Products, Services & Process
Property types accepted
Residential in any condition, England and Wales; specialist in negative equity properties
- Complete online form at properoffer.co.uk.
- Carry out virtual property view (video or photos).
- Receive formal cash offer within 24 hours.
- If accepted, RICS surveyor visits to confirm offer.
- Solicitors instructed — legal fees covered on panel.
- Exchange and completion — 30 days average.
- Funds transferred on completion.
Fees & Pricing
States no gazundering on final post-inspection offer. Initial indication based on data and virtual view; RICS survey provides basis for final offer. Negative equity specialism introduces different pricing dynamic.
What Offer to Expect
Cash-buying companies pay below the open market in exchange for speed and certainty. The benchmarks below are worked on the current UK average house price of £270,080 (HM Land Registry / ONS UK House Price Index, June 2026). Your own figure depends on your property's value and condition.
On the UK-average £270,080 home, a cash offer works out at roughly £203,000–£230,000. Open-market figure is before agent and legal fees. Source: HM Land Registry / ONS UK House Price Index, June 2026.
| Route | Typical proceeds | On a £270,080 home | Typical speed | Sale falls through? |
|---|---|---|---|---|
| Cash-buying company | 75–85% of market value | £203,000–£230,000 | 7–28 days | Very low |
| Open-market sale (estate agent) | Close to full market value, minus agent & legal fees | ~£270,080 less fees | about 5–6 months (≈25 weeks) | roughly 25–35% (about 1 in 3) |
Offers can fall below 70% for properties needing significant work.
Benchmarks: HM Land Registry / ONS UK House Price Index; Rightmove; Zoopla; Propertymark; TwentyCi. The cash-offer range reflects independent consumer guidance, not figures supplied by cash-buying companies. Illustrative only — verified June 2026.
Cash Sale vs Estate Agent vs Auction
How the three main ways to sell a home compare on the factors that matter most to sellers.
Proper Offer's figure is its advertised fastest completion — confirm any timescale in writing. Approximate time from agreement (or listing, for the open market) to completion. Sources: Rightmove; Zoopla; Propertymark; TwentyCi.
| Factor | Cash-buying company | Estate agent (open market) | Auction |
|---|---|---|---|
| Typical proceeds | 75–85% of market value | Close to full market value (minus fees) | Variable — reserve plus hammer price |
| Typical timeline | 7–28 days | about 5–6 months (≈25 weeks) | ~6–10 weeks (incl. 28-day completion) |
| Sale falls through? | Very low | roughly 25–35% (about 1 in 3) | around 15% |
| Fees to you | Usually none — buyer covers legal costs | Agent commission (~1–2%+VAT), legal, EPC | Auction/entry fees, legal pack |
| Effort required | Minimal | Viewings, staging, chain management | Legal pack, viewings, reserve setting |
Sources: Propertymark; TwentyCi (fall-through); Rightmove; Zoopla (timelines); HM Land Registry / ONS UK House Price Index (prices). Verified June 2026.
Funding & Completion Stability
Corporate entity and balance sheet not confirmed. States 10+ year operating history and 10,000+ offer requests. Request company details and proof of funds.
Reviews & Reputation
No independent reviews identified on major platforms as of June 2026.
- Negative equity specialism — unusual differentiator
- Unknown
- Unknown
What reviewers praise
- No reviews available
- Unknown
- Unknown
Common complaints
Complaints & Common Issues
States it will not gazunder (reduce final post-inspection offer). Contract terms beyond 3-step process not described publicly. Request full agreement and company details.
Customer Support
| Phone | Not published — contact via website form |
|---|---|
| Not published — contact via website form | |
| Response time | Within 24 hours |
| Complaints procedure | Published complaints procedure ↗ |
Regulatory & Compliance
Company History & Timeline
- 2013Company begins buying properties (per website)
Ownership & Leadership
| Current directors | Not confirmed independently as of June 2026 |
|---|---|
| Registered address | 70-72 The Havens, Ipswich, IP3 9BF (per NAPB listing) |
Proper Offer vs Alternatives
How Proper Offer compares with other independently profiled cash buyers on the terms sellers ask about most. Figures are drawn from each company's own Property Sale Watchdog profile and reflect the same assessment methodology.
| Factor | Proper Offer (this profile) | House Buy Fast | National Homebuyers | We Buy Any Home |
|---|---|---|---|---|
| Typical offer | Not stated — sector norm is 70-85% of market value; negative equity route may involve di… | Around 80% to 88% of market value appears in public-facing wording, but actual offers ma… | Often appears materially below asking or open-market expectations; review examples frequ… | Commonly marketed as up to c.80–85% of market value; review evidence suggests some outco… |
| Typical timeline | 30 days average (company claim) | Website claims as little as 3 days or 5 days in some cases; a more typical stated range … | Mixed evidence: some cases appear to complete in c. 3–6 weeks; other reviews describe se… | Headline claim: around 7 days or less / in a timeframe that suits the seller; review evi… |
| Legal fees | Free | Free | Panel incentive | Seller pays own |
| TPO member | Yes | Yes | Unknown | Yes |
| NAPB member | Yes | Yes | No | Yes |
| PSW risk rating | Medium Risk | Low Risk | Medium Risk | High Risk |
Proper Offer's negative equity specialism is unusual among NAPB members.
View House Buy Fast profile → View National Homebuyers profile → View We Buy Any Home profile →
Pros & Cons
Pros
- NAPB Member 95 and TPO registered
- Negative equity specialism — unusual sector capability
- RICS survey used to confirm formal offer
- Legal fees covered; no hidden fees described
- 10+ year stated trading history
Cons
- Corporate identity not confirmed — company number not published
- No independent reviews on major platforms
- Pricing range not published
- Contract terms not described publicly
- ICO registration not published
Frequently Asked Questions
NAPB Member 95 and TPO registered. Company registration number not confirmed. Request full details.
Yes — states specialism since 2013 in properties worth less than the outstanding mortgage, offering creative solutions.
30 days average; quicker for urgent cases.
No seller fees; legal fees covered on panel solicitor.
States no gazundering on final post-inspection offer. Initial indication may be adjusted after RICS survey.
Residential in any condition, England and Wales, including negative equity.
Yes. NAPB Member 95 (July 2025), TPO registered.
Where a property is worth less than the outstanding mortgage. Proper Offer claims to offer specialist solutions for this situation.
Who This Suits & Who Should Be Cautious
May suit sellers who…
Sellers in England and Wales in negative equity or with properties other cash buyers have declined.
Be cautious if you…
All sellers should request registration details, proof of funds and formal written offer. Absence of independent reviews and unconfirmed corporate identity are main cautions.