Chain Break Finance
Do not lose your next property because of a delayed sale. Chain break bridging finance lets you buy now and repay when your existing home sells.
Break the chain. Secure the property.
Property chains collapse every day. A buyer pulls out, a survey reveals problems, or a mortgage application stalls - and suddenly your dream property is at risk. Chain break finance removes that uncertainty by giving you the funds to purchase your new home before your existing one has sold.
As a chain-free buyer, you become the most attractive offer on the table. Sellers prefer certainty, and chain break finance gives you exactly that. Once your existing property sells, the bridging loan is repaid in full - it is that straightforward.
Why chain break finance works
Complete in Days
When you are at risk of losing a property, every day counts. Chain break finance can complete in as few as 5 to 7 working days, giving you the certainty to proceed.
Protect Your Purchase
Do not let a delayed sale cost you the property you want. Chain break finance bridges the gap, letting you buy now and repay when your existing property sells.
No Chain Required
Present yourself as a chain-free buyer, making your offer far more attractive to sellers. In competitive markets, this can be the difference between winning and losing a deal.
Simple Exit Strategy
The loan is repaid from the sale of your existing property. Lenders are comfortable with this exit because your property is already on the market or under offer.
Competitive Rates
Chain break loans are typically lower risk for lenders because there is a clear, identifiable exit. This means competitive rates, often from 0.49% per month.
Flexible Security
Security can be taken against your new purchase, your existing property, or both. We structure the facility to maximise your borrowing and minimise cost.
How it works
Assess Your Position
We review the status of your sale, the property you want to buy, and your timeline. You receive an immediate indication of feasibility and terms.
Secure Your Offer
With chain break finance in place, you can make a chain-free offer on your next property. This puts you in a much stronger negotiating position.
Fast Completion
We instruct valuation and legal work in parallel. For straightforward chain break cases, completion within 7 to 10 days is standard.
Repay When You Sell
Once your existing property sells and completes, the bridging loan is repaid in full. No ongoing payments are required in the meantime.
At risk of losing your property?
Talk to us today about chain break finance. We can move fast to ensure you do not miss out on the home or investment you have set your sights on.