no different, although there can be a lot of scope for bargaining. the bank really is only interested in clearing the outstanding debt against the place.
there are some horror stories regarding old creditors and the disgruntled former owners but the majority of repos are normal people who get in a situation and are glad to hand the keys back.
if the former owner has known for a while that they’re going down the pan then obviously they’re not going to spend tons on the house in terms of maintenance and upkeep on the house but that’s stuff to look for in any house.
regards completing quickly i don’t think there’s anything contractually that the estate agents can do, but i think they’re targeted on quick sales so the bank can get it off the books and the debt written off. there is usuallly, due to the lower prices, a fair bit of copmpetition for repos so you being able to instruct quickly puts you in a better place anyway.
we’ve looked at a few but have lost out to other parties being able to move faster 🙁
good luck