Structured disposal
Paid over time, not all at once.
An alternative to a conventional sale: you transfer the property and receive scheduled payments across an agreed term. It suits some owners and is wrong for others, and the difference is worth understanding before you sign.
What is a structured property sale?
Instead of selling at market price for a lump sum, you transfer the property in exchange for a schedule of payments over an agreed term, typically quarterly. The headline total can exceed current market value because payment is spread over years rather than made at once.
Is a higher headline total actually a better deal?
Not automatically. Money received in ten years is worth materially less than money today, and against a lump sum you could have reinvested — or the rent and appreciation you would have kept by holding — a larger nominal total can still be the worse outcome. Compare on a present-value basis, not on the headline.
Run three scenarios before deciding: sell now and reinvest the proceeds; hold and collect rent; take the structured payout. Discount all three to today's money at a rate that reflects the risk of each. That comparison is the whole decision, and it is one you should insist on seeing.
Who does this suit?
Owners who want predictable periodic income rather than a lump sum, who do not need the capital now, and who are comfortable carrying credit exposure to the buyer for the term. It suits nobody who needs certainty of capital, or who cannot afford for the payments to stop.
The risk to understand first
You give up the asset at the start and receive the money over years. That makes you a creditor of the buyer for everything still outstanding. If the buyer cannot pay, you may have neither the property nor the remaining instalments.
Settle in writing, before signing: what security is registered in your name, what happens on default, whether payments are guaranteed by anyone with assets, and what recourse you have in which jurisdiction. A structure with no registered security is an unsecured loan to a private counterparty, however it is described.
Have your own lawyer review the agreement. Nothing here is a personal recommendation, an offer or a solicitation.