Plain reading
There are ordinary reasons for the line: a seller who wants a quick exchange, or a sale they do not want tied to a mortgage offer. There are also reasons a lender would look at closely — a short lease, a construction type some lenders restrict, missing building-safety paperwork, or condition that can make a mortgage harder. The phrase does not say which. It says to ask before you spend money on a survey you may not be able to use.
What the listing often leaves out
- Why cash is required: the seller’s preference, or something a lender has already refused.
- Tenure and, for a flat, the years remaining on the lease.
- Construction type, and any building-safety or cladding paperwork for a block.
- Whether a mortgage valuation has already been tried, and what came back.
Questions to take to the viewing
- Why are you asking for cash buyers — preference, or a lending issue already identified?
- Has a mortgage valuation been declined or restricted here, and can we see why?
- What is the tenure, the remaining lease if there is one, and the construction type?
- If we need a mortgage, is there a reason you believe that will not work?
Check this listing properly
Not a property score. Paste the Rightmove URL into Listing Gap Report for gaps the listing leaves out, a plain reading of the sales language, and questions for the viewing.
Paste a Rightmove URL — freeInformational only — not legal, planning, or valuation advice. Always verify with the agent, council, and your own surveyor.