RealTrust

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Guide to The Real Trust Accreditation

Our accreditation makes your offer stand out from the crowd and ensures a smoother transaction

How do I stand out?

With a RealTrust Accreditation the Seller will know you are prepared, have all the right people working for you and are ready to move quickly on the transaction. This is rare, often potential buyers will offer without a mortgage, solicitor or their finances in order, all of these slow down the transaction. Having RealTrust in your corner means the Seller has confidence that you are the right buyer for their property

Having a transaction fall through is expensive for the Seller and the Buyer. Sellers will look for the right price, but also, they want the right buyer. RealTrust will help make you that “right” buyer.

How does it work?

Step 1

Get your RealTrust Accreditation by completing our simple process
STEP 1

Step 2

Offer on the property and RealTrust will automatically share your accreditation with the Estate Agent
STEP 2

Step 3

The Estate Agent will share this with the Seller and your offer will be supercharged
STEP 3

Step 4

If your offer is accepted, RealTrust will ensure any required surveyors are in the property within 5 working days (this can dramatically speed up the process).
STEP 4

How do I get the RealTrust Accreditation

We accelerate the process by getting ahead on 7 key checks that you would have to complete later in the process. The whole thing takes less than an hour of your time.

  • Step 1: Preparation before you offer:
We complete 6 checks that can be done before you find a property to buy…

Mortgage in Principle (MiP)

Your borrowing capacity is certified

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Solicitor Instructed

You have a solicitor who is ready to act on your behalf

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Surveyor Committed

You have given RealTrust permission to instruct a certified surveyor on your behalf

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Identity (AML)

You have passed all the standard Identity and Anti MOney Laundering checks

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Proof of Funds

You have proven all the liquid assets required for the transaction exist

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Chain Check

You have proven you are chain free or your backwards chain is ready to move

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  • Step 2: Making an offer

You can send an offer direct to the Estate Agent, alongwith your RealTrust accreditation, automatically from our platform

Make your accredited offer

Tell us how much you want to offer on the property and we will provide an accreditation for this that can be shared with the Estate Agents

  • Step 3: Post offer acceptance

RealTrust will make sure the early stages of your process are as fast as possible

Fast-Track Transaction

RealTrust will instruct your RICS certified survey and valuation to accelerate the process

Mortgage in Principle (MiP)

You have the ability to secure the loan for your offer if you need one
Learn More

Solicitor Instructed

You have a solicitor who is ready to act on your behalf
Learn More

Surveyor Committed

You have given RealTrust permission to instruct a trusted surveyor on your behalf
Learn More

Anti Money Laundering (AML)

You have passed all the standard AML checks
Learn More

Proof of Funds

You can prove that you will be able to afford all other costs associated (stamp duty, solicitor/surveyor fees, etc)
Learn More

Chain Check

You are chain free or your backwards chain is ready to move
Learn More

RealTrust Privacy Promise

We don’t share any data with Estate Agents that could hurt your negotiation, this includes your maximum supportable offer. 

Mortgage in Principle (MiP)

A Mortgage in Principle (also known as an Agreement in Principle or Decision in Principle) is a statement from a lender that confirms, based on the financial information you've provided, that they would be willing to lend you a certain amount of money to buy a property. While it's not a formal mortgage offer, it gives you a clear idea of what you can afford and strengthens your position when making an offer on a property. To complete the RealTrust MiP check, you need to upload the MiP document from the lender, ensuring that the maximum lending amount is visible for review. If you do not have a MiP, but you do have a mortgage advisor who can confirm your ability to get a mortgage, this will earn you partial credit for this check. If you are a cash buyer, then indicate this during this check and you will get full credit.

Solicitor Instructed

Having a solicitor instructed means you have formally appointed a legal professional to represent you in the property transaction process. By instructing a solicitor early, you help avoid delays, demonstrate to all parties that you are a committed buyer or seller, and ensure that legal proceedings can begin as soon as an offer is accepted. It’s a vital step in the property journey, giving you peace of mind knowing that a qualified expert is managing your legal interests and guiding you through each stage of the transaction. The RealTrust Solicitor Check will ask for your solicitor's name and contact details, along with evidence that they have "funds on account" and are therefore ready to act immediately on your behalf.

Surveyor Committed

A comprehensive property survey provides essential assurance that the property's condition and value meet your expectations. Delays between having an offer accepted and instructing a surveyor can stall the entire process. The RealTrust Surveyor check involves a pre-authorization of funds, so that, upon offer acceptance, RealTrust can immediately instruct a surveyor on your behalf. This guarantees that a RICS-certified survey and property valuation are completed within five working days of your offer's acceptance. Additionally, RealTrust scours the market to secure the best deal for you while ensuring the fastest possible transaction.

Anti Money Laundering (AML)

Anti Money Laundering (AML) checks are a series of verifications that confirm your identity and the legitimacy of your funds in accordance with legal and regulatory standards. These checks are a mandatory part of the property transaction process and are designed to prevent fraud, financial crime, and the use of property transactions to disguise illicit activity. By successfully completing AML checks, you demonstrate transparency and compliance, reassuring all parties involved—solicitors, agents, and lenders—that the transaction can proceed without legal or regulatory concerns. RealTrust partners with Onfido to ensure that all AML procedures are conducted quickly and securely, using trusted systems to protect your personal data and support a smooth, compliant transaction.

Proof of Funds

The Proof of Funds check confirms that you possess the financial means not only for the property purchase but also for all associated costs, including stamp duty, solicitor fees, surveyor charges, and any other transaction-related expenses. It demonstrates to estate agents, sellers, and legal representatives that you are financially prepared and capable of meeting all obligations promptly. This assurance enhances the credibility of your offer and minimizes the likelihood of the transaction falling through due to financial issues. Whether your funds are derived from savings, investments, a property sale, or a gift, upload documentation showing these assets, and RealTrust will verify that these funds are sufficient to support your offer.

Chain Check

The Chain Check looks at whether you are chain-free or, if you need to sell a property, that you have your current property under offer. Your chain is one of the biggest uncertainties in the process, RealTrust checks this to make sure that it is de-risked as much as possible. If you do not need to sell a property to move, or you have accepted an offer, you are in a significantly stronger position than if you are still waiting to find a Buyer for your property. RealTrust will review your property's listing and speak to the listing agent to confirm the status of your chain.