The Fresh Start Guide

Selling Jewellery After a Divorce or Breakup: Your Guide to a Financial Fresh Start

Jewellery is rarely just metal and stone; it is often tied to a specific time, place, or person. When a relationship ends, those items can carry a heavy emotional weight.

Whether it is an engagement ring sitting at the back of a drawer or anniversary gifts you no longer wish to wear, deciding what to do with these pieces is a significant step in moving forward.

At Lois Bullion, we help thousands of people transform the “assets of the past” into the fuel for their future. Selling your jewellery is a practical way to reclaim your financial independence and fund your next chapter on your own terms.

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94.5% of spot price

No hidden fees

XRF tested accurately

Transforming Emotional Weight into Financial Opportunity

Divorce or separation often brings sudden, unexpected financial shifts. Converting unwanted jewellery into a liquid asset is one of the fastest ways to create a “safety net.”

Instead of letting an expensive item sit in a box, many of our clients use the proceeds to:

Fund a deposit on a new property or rental.
Pay off legal fees or joint debts to clear the slate.
Invest in themselves, whether through a solo holiday or a new professional course.
Start a fresh savings account that is yours and yours alone.

A woman securely packing jewellery for a fresh start — Reclaiming your value is a practical step toward independence.

What Can You Sell? Identifying High-Value Assets

You might be surprised at what holds significant value. When you are ready for a clear out, look for these common items:

Engagement & Wedding Rings

These are typically the highest-value items. Because they are often made of Platinum or 18ct Gold, their scrap value alone is high. If the ring features a significant diamond (0.50ct or larger), the payout can be substantial.

Anniversary and “Push” Presents

Gold necklaces, luxury watches, or diamond stud earrings often accumulate over the years. Even if a piece is broken or missing its partner (like a single earring), it still holds 100% of its metal value.

Designer Pieces

If you have items from luxury houses like Tiffany & Co, Cartier, or Van Cleef & Arpels, they often command a premium above the scrap gold price. Our specialists value these based on brand demand, not just weight.

Want a transparent estimate right now?

Use the live calculator to see an instant valuation based on today’s pricing.

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Why Discretion is Our Priority

We understand that selling jewellery after a breakup can feel very personal. At Lois Bullion, valuations are free and carried out in a relaxed, professional setting — with privacy available whenever you need it.

Walk-in valuations: Visit our Birmingham showroom with no appointment needed. Free parking and a complimentary drink are available while we assess your items.
Private room on request: If you’d prefer to speak away from the main showroom, a private valuation room can be arranged in advance.
No pressure: There’s no obligation to sell. Take your items away if you’re not ready.
Unbranded mail-in service: Prefer not to visit? Our fully insured postal packs are plain and discreet.

Lois Bullion showroom in Birmingham Jewellery Quarter with secure private parking — Visit our Birmingham showroom — free parking on-site, with private valuations available on request.

How We Calculate Your “Fresh Start” Payout

Transparency is the cure for the anxiety of selling jewellery. We don’t hide behind vague quotes — you can always check today’s scrap gold prices and see how the value of your items is determined.

Some designer jewellery may also contain precious metals such as platinum or silver. If your items are made from these materials, you can also learn about selling platinum jewellery or selling scrap silver.

The Purity Test: We use XRF technology to verify the exact carat of your gold (9ct, 14ct, 18ct, etc.) in seconds.
Live Market Pricing: We pay 94.5% of the live spot price for your metal. Most “pop-up” buyers or antique shops pay closer to 70%.
Instant Payment: Once you accept our quote, the money is transferred directly to your bank account the same day.

Ready to fund your fresh start?

Sell unwanted jewellery today — visit us in Birmingham (walk-ins welcome) or use our discreet, fully insured mail-in service from anywhere in the UK. If you’d like extra privacy in-store, a private room can be arranged on request.

Option A:
Visit us in Birmingham

Walk in for a free valuation. Fastest way to get paid.

Bring your items (and ID if you decide to sell).
Park for FREE in our secure private car park (Jewellery Quarter).
Get paid by cash or instant bank transfer.

Get Directions Ask about a private room

Prefer extra discretion? We can arrange a private valuation room — just message or call ahead.

Option B:
Use our mail-in service

Discreet, fully insured, and available nationwide.

Request a FREE, fully insured seller pack.
Fill it, seal it, and drop it at the Post Office.
Get paid the same day we receive it.

Request free mail-in pack Use the live calculator

Packs are plain and unbranded — ideal if you’d rather keep things private.

Want an in-store valuation with extra privacy?

Walk-ins are welcome, but if you’d like a private room, arrange it in advance via the contact form, email, or phone call.

Contact form Email us Call 0121 212 1715

Your Postage Pack Is On Its Way!

Follow the instructions provided in the seller pack on how to send us your items safely. Once your items have been received they will be assessed and a quote will be provided.

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Contact Details

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About Us

Lois Bullion is a trade name of Britannia Jewellery Limited. Britannia Jewellery Limited is registered in England with company registration number 10948336. Britannia Jewellery Limited is a VAT registered company with VAT number 279 3821 62. Our registered office is 59-61 Charlotte Street St Pauls Square Birmingham, West Midlands, England, B3 1PX. We also operate in 41-42 Frederick Street, Hockley, Birmingham, B1 3HN. You can contact us by phone 0121 212 1715 or by email sales@lois-bullion.com

Purchasing

When purchasing bullion from Lois Bullion the prices are based on the financial markets, this price is always fluctuating and is out of our control. Due to fluctuations in price, once an order has been accepted, we are unable to accept cancellations or returns. You do not have any statutory rights to cancel or return an order under Regulation 13 of the Consumer Protection (Distance Selling) Regulations, Financial Services (Distance Marketing) Regulations or any other regulations. All orders are subject to being accepted by us. We reserve the right to cancel an order even if payment has already been made if a product has been mis-priced, you will be notified of this before the order is dispatched. When an order is placed you will receive an email notifying you that we have received your order, this does not mean the order has been accepted. Once your order has been accepted by us you will be notified by email. When your order has been dispatched you will receive a further email containing your tracking information.

Quality

Coins described as bullion may have marks, wear, discolouration or “milk spots” this will not affect the value as bullion. Some products may vary from the images displayed, with coins displaying different years or monarchs. Where best value items are chosen the item may be different from the one displayed on the image however, the bullion value will be the same. Where “best value” bars are purchased, the bars may not be in their original packing but this will not affect the value as bullion.

Investment advice

We are not authorized by the Financial Conduct Authority and cannot give investment advice. Historical metal prices are not a reliable indication of current or future metal prices. We cannot give advice regarding your tax implications.

Anti-Fraud and money laundering prevention

If you wish to purchase from us, you must register an account. We do not accept guest checkout. We are only able to post goods to the billing address. To make purchases with us over the value of £3000 in any 1-year period we will require an upload of photographic identification (Passport or UK Driving license) this is for anti-money laundering and anti-fraud purposes. To make purchases with us over the value of £10,000 we will require an upload of proof of address (utility bill, bank statement or driving license if not used as photo ID). Additional identification or verification may be required prior to dispatch for certain orders to comply with anti-money laundering and security requirements. We may use the information provided to perform anti-fraud checks. All information provided will be stored in accordance with the Data Protection Act. If you wish to make a purchase over £30,000 this must be done in store. We may ask for proof of identity or proof of address at any time.

Delivery

We rely on third-party companies to handle deliveries. We will always endeavour to ensure your items are dispatched and delivered to you without delay. Orders will be dispatched within 24 hours of the order being accepted if this is not possible, we will notify you at our earliest convenience. All orders over £150 will be delivered via Royal Mail Special Delivery, orders under £150 will be dispatched via Royal Mail 24H Tracked this requires a signature by the customer. Royal Mail Special Delivery aims for goods to be delivered within 24 hours of dispatch. If the buyer fails to take delivery of an item, we will not be held liable for any delays in delivery. Orders placed on Friday – Sunday will be dispatched on Monday excluding Bank Holidays. Larger orders may be dispatched in multiple packages.

We deliver to the United Kingdom only. We are only able to post goods to the billing address. Unfortunately, we do not deliver to the Channel Islands, a PO BOX address, a hotel address or unit addresses. We reserve the right to refuse to deliver to an address which may be deemed as being unsafe, unlawful, or unreasonable to do so. We are unable to accept responsibility for items delivered to houses of multiple occupancies. If a parcel arrives damaged or tampered with, you must not accept it and have the parcel returned to us. If an expected item has not been received you must notify us within 14 working days. Once parcels have been signed for the goods are now considered your own.

Collection

Orders placed online can be collected in store. You will be required to show a photographic ID matching the details on the order for in store collections.

Selling

Customers must be over the age of 18 to sell goods to us. All goods sent to us must be police safe, and under your ownership. You must not knowingly send counterfeit or stolen goods to us. Prices displayed online or given through the Scrap Calculator are a guide price only. When we receive the goods, all items may be subjected to destructive and non-destructive testing. Items sent with stones of little or no value will have weight deducted in line with the weight of the stones. We reserve the right to remove stones without notifying you if we require an accurate weight, the stones cannot be returned in this case. Once testing has been completed to ascertain the weight and purity of the items, we will call or email you with an offer. The offer given will be based on the relevant metal price for that day for scrap items. Quotes for items will be updated with changes in the metal price and older quotes will no longer be valid. Items of jewellery will be priced separately depending on the item’s own merits. We are under no obligation to purchase the goods from you and reserve the right to post them back to you. Items being returned will be insured at our perceived value unless otherwise instructed if you require higher insurance this can be done at your cost. Return postage terms are as the delivery terms above.

Items of no value to us will be sent back to you upon your request only, and at a cost of £9 per parcel(this can be deducted from the value of other items). Items of no value that are not requested to be returned will be placed into a charity auction with proceeds going to Birmingham Children’s Hospital Charity. Items received on a Saturday will not be processed until the following Monday (bank holidays excluded).

For customers ordering one of our pre-paid packs a fee of £9 is deducted from the final value of your items. Each pre-paid pack includes Royal Mail’s £2,500 insurance limit per seller pack, which applies to loss in transit only and does not cover damage. When posting pre-paid packs the packs are delivered the next working day Monday – Thursday. If posting the pack on a Friday the pack will be received the following Monday (excluding bank holidays). If using the pre-paid pack service the customer is responsible for getting proof of postage and retaining the tracking. For goods with a value of less than £9 there will be a £9 per parcel fee for having the good returned to you. For goods being sent in the post, we recommend using Royal Mail Special Delivery and adding the correct insurance. Goods are the customers’ responsibility until we have taken delivery. Goods sent in via the post without information or a return address will be held for one week before being donated to charity. Customers using our postal service will have offers sent via email unless otherwise requested, please ensure only a secure email is used as once offers are accepted through the email link this is final. Once postal offers are accepted no further information can be provided as the items are moved to the next process. For selling in store, we will require at least one piece of photo ID to carry out the transaction other identification may be required. All sales of your goods are final and once goods have been paid for they are then classed as our property and cannot be requested back.

We only accept precious metals sent from addresses within the UK. We do not accept precious metals that have been posted from outside the UK.

We do not dispatch our free seller packs to addresses in the Channel Islands (Jersey and Guernsey). Customers from the Channel Islands who wish to send items to us must arrange this independently. If you choose not to accept our offer, it will be your responsibility to arrange and cover the cost of returning your items.

Payment

Payment can be made by bank transfer (to a UK bank), or by cheque, we do not post out cash. We endeavour to make payment on the same day the goods are received however, this is not always possible, and payments can take up to 3 working days. When providing bank details customers must make sure the details are correct as once payment is made it is not reversible. We take no liability for customers giving incorrect information. For instore transactions a cash payment is possible up to a sum of £3500. When being paid in cash it is the customers responsibility to check all monies before leaving the store as once you have left, we cannot accept responsibility for miss payment. We cannot make payments outside of the UK or to third parties.

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Selling Jewellery After a Divorce or Breakup: Your Guide to a Financial Fresh Start

Transforming Emotional Weight into Financial Opportunity

What Can You Sell? Identifying High-Value Assets

Why Discretion is Our Priority

How We Calculate Your “Fresh Start” Payout