October UK House Price Index data (HM Land Registry):

https://www.gov.uk/government/news/uk-house-price-index-new-data-reveals-number-of-cash-buyers

…reveals that a significant number of between 30% – 40% of all property purchases UK-wide are cash currently, and not mortgage funded. Mortgage companies are losing market share to other ways of purchasing a property.

Creative techniques such as offered by ourselves, therefore, also come to the fore for those buyers and sellers now in the majority outside of the 30% – 40% mainstream mortgage market range.