Your buyer pulled out, the chain stalled, but your purchase still has a completion date. A chain break bridging loan funds the purchase now — secured on the property you are selling or another you own — and your sale repays it when it completes. Decision today; funds in as little as 7 days.
What a chain break loan does
Property chains fail at the worst moment: after you have exchanged, instructed solicitors, and planned around a date. A chain break bridge replaces the money your stalled sale was supposed to provide, so the transaction that matters — your purchase — completes on schedule. When the sale behind you finally completes, the proceeds redeem the bridge. You keep the deal, the price you negotiated, and the fees you have already spent.
When investors use one
- A buyer withdraws late on an investment sale that was funding your next purchase
- A portfolio sale is dragging while a time-limited purchase — often an auction lot — cannot wait
- You want to buy before you sell deliberately, to negotiate as a cash buyer
- A related-party or intra-group transfer is held up while a purchase deadline approaches (complex structures are our specialism)
How it works
The loan is secured by first or second charge on the property being sold, the property being bought, or both — whichever produces the cleanest structure at up to 70% loan-to-value on residential investment security. Interest from 0.79% per month, usually retained so nothing is payable during the term — see our full bridging loan costs guide. Terms 3–24 months, though most chain-break bridges redeem within a few months of the delayed sale completing. £50,000 to £25,000,000.
Speed is the point
A chain break is a deadline problem, so we treat it like one: same-day decision from the person who can approve it, valuation and legals instructed immediately and run in parallel, completion in as little as 7 days. Send the completion date with your enquiry and we work backwards from it.
Buying a home rather than an investment?
A bridge secured on a property you or your family will live in is a regulated bridging loan and works differently. Tell us the situation when you enquire and we will point you the right way rather than waste your week.
Frequently asked questions
How does a chain break bridging loan work?
The loan is secured on the property you are selling (or another property you own) and funds the purchase of the one you are buying, so you complete on schedule even though your sale has fallen through or stalled. When your sale completes, the proceeds repay the bridge.
How fast can chain break finance complete?
Decision the same day, completion in as little as 7 days. Chain breaks are deadline-driven by nature, so we run valuation, legals and compliance in parallel from day one.
What does a chain break loan cost?
Rates from 0.79% per month with interest usually retained, plus arrangement and exit fees. Because most chain-break bridges redeem within months, the total cost is often smaller than losing the purchase, the survey and legal fees already spent, or renegotiating in a falling chain.
Rescue the purchase
Tell us what is being bought, what is being sold, and the date that cannot move. Same-day answer.