Holdkey is a UK property transaction platform that coordinates every party in a home sale — buyer, seller, solicitor, surveyor, mortgage advisor and estate agent — on one shared record, with the purchase price held in FCA-authorised escrow until everyone confirms the sale is ready to complete.
Holdkey is a UK property transaction platform with built-in escrow.
Search properties for sale across the UK, with built-in escrow protection and zero buyer fees.
Holdkey automates every step of buying and selling property in the UK — from mortgage agreement to exchange of contracts — with built-in escrow, verified professionals, and zero surprises.
Buyers pay nothing. Sellers pay a flat fee of 2% on completion only. No upfront costs.
Find property for sale. Search over 900,000 properties for sale from UK agents.
Search nowFind studio apartments for sale. Compact living in prime UK locations, ideal for first-time buyers.
Search nowFlats and houses for sale in London. Find properties with Holdkey, the UK property portal.
Search nowHouses in multiple occupation for sale. High-yield investment properties across the UK.
Search nowFlats and houses for sale in London. Find properties with Holdkey, the UK property portal.
Search nowJust 2% on completion — no upfront fees, no agent commission. Calculate your savings first →
Search nowHoldkey tracks every stage, connects the right professionals, and holds your funds securely until exchange.
Mortgage approved or cash buyer status confirmed. Income, deposit, ID and address all verified.
Browse Holdkey listings. Submit an offer. Seller accepts or counters. Transaction created when agreed.
Mortgage lender sends a valuer. Buyer chooses a Homebuyers or Full Building survey for insurance.
Solicitor checks title deeds, carries out local authority searches, and reviews contracts.
All five parties confirm digitally. Escrow funds release to the seller. Keys change hands.
Online listing services hand you a “For Sale” sign and step back. Holdkey coordinates your solicitor, surveyor, and mortgage advisor through every step — and charges only when you complete.
Holdkey has no lock-in — use your own solicitor, surveyor, or mortgage advisor. See the fee calculator →
Solicitors, surveyors, mortgage advisors, and estate agents — register free, get matched to transactions in your area, and earn your Holdkey Verified badge.
Register as a professionalJoin our professional network and bring your seller clients to Holdkey. They get a transparent flat-fee sale — you get a 1% referral fee on completion. No conflict of interest. No upfront costs.
1% of the sale price — half of Holdkey’s 2% completion fee. Paid to your nominated account within 5 working days of exchange.
“We saved over £12,000 in estate agent fees. The escrow gave us total peace of mind knowing our deposit was protected.”
“As a solicitor, Holdkey streamlines the conveyancing process. All documents in one place, all parties connected. Brilliant.”
“Listed my flat on a Friday, had three offers by Monday. The flat fee means I kept thousands more than with a traditional agent.”
| Feature | High-street agent | Purplebricks / Yopa | Holdkey |
|---|---|---|---|
| Buyer fee | 0% | 0% | £0 |
| Seller fee (£300k sale) | ~£5,400 | £999 upfront | £6,000, completion only |
| Charged upfront? | No — on completion | Yes, always | Never — completion only |
| Escrow protection | None | None | FCA-authorised |
| Coordinates solicitor/surveyor/advisor | No | No | Yes |
Holdkey is a UK property transaction platform that replaces the usual mix of estate agents, email threads and phone calls with one coordinated system. Buyers, sellers, solicitors, surveyors and mortgage advisors all work from the same live transaction record, and the purchase price is held in FCA-authorised escrow until the sale is ready to complete.
Buyers pay nothing to use Holdkey — browsing, offering and completing a purchase is free. Sellers pay a single flat fee of 2% of the sale price, charged only on completion. There is no upfront cost and no fee if the sale doesn't go through.
Escrow means a neutral third party holds funds securely during a transaction, releasing them only once agreed conditions are met. On Holdkey, the buyer's full purchase price is transferred into an FCA-authorised escrow account at exchange. Funds are released to the seller — minus Holdkey's 2% fee — only once all five parties (buyer, seller, solicitor, surveyor and mortgage advisor) have digitally confirmed the transaction is complete.
Rightmove and Zoopla are property listing portals — they show you what's for sale but take no part in the transaction itself. Holdkey is both a property marketplace and a transaction coordination platform: you can browse and offer on listings, and once an offer is accepted, Holdkey manages the entire process through to completion, including escrow.
Purplebricks and Yopa are online estate agents that charge a fee upfront, typically around £999, regardless of whether the property sells. Holdkey charges sellers 2% of the sale price only when the transaction completes — there is no upfront cost, and Holdkey also coordinates the wider transaction (solicitor, surveyor, mortgage advisor) through FCA-authorised escrow, which neither Purplebricks nor Yopa offers.
Zero. Buyers pay no commission and no platform fee to Holdkey, ever. You will still have standard third-party costs — solicitor/conveyancing (avg £1,624 inc. disbursements), a RICS survey (avg £455), and a mortgage valuation (avg £354, often waived by your lender). These are the same costs you'd pay on any platform.
Online listing services charge £999–£1,349 upfront whether your home sells or not, and leave you to arrange and pay for your solicitor (£1,200–£2,000) and survey separately. Holdkey charges 2% commission on completion only — no sale means no charge. Your solicitor, surveyor, and mortgage advisor are coordinated inside the platform at every step. Holdkey is not an estate agent; it's an escrow platform with listing built in.
When a transaction reaches Step 5 (Exchange), the buyer's funds are held in an FCA-authorised escrow account. All 5 parties — buyer, seller, solicitor, surveyor, and mortgage advisor — must digitally confirm before funds release to the seller.
If a transaction is cancelled before exchange, any escrowed funds are returned to the buyer. No fees are charged to either party for cancelled transactions.
No. You can use your own solicitor, surveyor, and mortgage advisor — there is no admin fee or penalty for doing so. Holdkey's vetted professional network is available if you want help finding verified, regulated professionals in your area.
The average UK property transaction takes 12–16 weeks. Holdkey's digital workflow and connected professionals can help reduce this by keeping all parties synchronised and eliminating paper-based delays.
Yes. Holdkey's escrow service is provided through an FCA-authorised partner. All funds are held in segregated client accounts in compliance with FCA regulations.
Email us at support@holdkey.co.uk. Our team is available Monday–Friday, 9am–5:30pm. For urgent transaction issues, include your transaction reference in the subject line.
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Search thousands of properties, make offers with confidence, and complete your purchase with FCA-authorised escrow protection. No buyer fees, ever.