Property Chain Break Finance

We're specialists in Property Chain Break Finance

We arrange fast bridging finance secured on residential property to help you fix your property chain break.

Our Property Chain Break Finance service

  • Market-leading property bridging loans from £26,000 to £250m
  • Monthly interest rates from 0.44% pm
    (Lower rates for £700,000+ loans or less than 50% LTV)
  • LTVs up to 80% (up to 100% finance if additional collateral is available)
  • Automated valuation options and dual legal representation
  • No monthly payments with interest rolled-up options 
  • Terms up to 24 months

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We provide a fast reliable service to help you get the finance you need at the best available rates.

We consider all types of credit history including non-status, bad or adverse and don't perform automated credit checks so there's no footprint from enquiring.

With incredible relationships with the UK's top lenders including specialist lenders, family offices and private investors, we can source the bridging loan you require:

up to £300k loans in 3 days
up to £700k loans in 7 days 
up to £250m from 14 days

Where your timeline is critical and short, we're confident we can get your bridging loan in place. Get your best no obligation quote today.

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Chain Break Finance Lending Criteria

Loan to value (LTV) Up to 80% maximum 
Loan term 1 to 24 months
Loan amount £26,000 up to £250m
Interest types Rolled-up, retained or serviced
Interest rates From 0.44%
Charge 1st, 2nd & 3rd charges
Decision Immediate decision in principle (DiP/AiP)
Completion 3 days to 2 weeks
Early repayment fees None
Availability Secured on assets in UK & Europe
Individuals, Companies, SPVs
No credit & adverse credit considered
Exit strategy Sale or refinance


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A guide to Chain Break Finance

A property chain break can be a significant challenge when buying or selling a property in the UK. However, with the help of a bridging loan, you can overcome this obstacle and ensure a smooth property transaction.

In this guide, we will explore what a bridging loan is, how a property chain break can occur, when it is likely to happen, who it affects, and most importantly, how a bridging loan can be used to fix a property chain break.

Understanding bridging loans

Definition: A bridging loan is a short-term financing option that enables borrowers to bridge the gap between the purchase of a new property and the sale of an existing property.

Features: Bridging loans are typically quicker to arrange than traditional mortgages and can be secured against the property being purchased or another owned property. They can be secured against most types of residential, commercial and semi-commercial property in in England, Scotland, Wales and Northern Ireland.

Duration: These loans are usually repaid within a few months to a year, depending on the specific terms agreed upon with the lender.

Interest Rates: Bridging loans generally have higher interest rates than standard mortgages due to their short-term nature.

How a property chain break occurs

Definition: A property chain break happens when a buyer or seller in a property transaction is unable to proceed, which then causes a ripple effect on the entire chain of linked transactions.

Causes: Property chain breaks can occur due to various reasons, such as failed property surveys, mortgage issues, gazumping (when a seller accepts a higher offer from a different buyer), or sudden changes in personal circumstances.

When a property chain break occurs

Uncertainty: Property chain breaks can happen at any stage of the buying or selling process, causing uncertainty and potential delays.

Higher Risk: Chains are more likely to break in long chains where multiple properties are involved, as the failure of any single transaction can disrupt the entire chain.

Who is affected by property chain breaks

Buyers: Buyers may face challenges if their purchase is dependent on the sale of their existing property.

Sellers: Sellers may struggle to find a new property if their sale falls through, leading to the possibility of being temporarily homeless.
Estate Agents: Chain breaks can impact estate agents who rely on completed transactions to earn their fees.

Fixing a property chain break with a bridging loan

Immediate Financing: A bridging loan provides immediate access to funds, allowing buyers to proceed with the purchase even if their existing property sale falls through.

Temporary Solution: Bridging loans act as a temporary bridge until the existing property is sold, enabling buyers to complete the purchase and secure the property they desire.

Repayment: Once the existing property is sold, the bridging loan can be repaid, either in full or partially, using the proceeds from the sale.

Flexibility: Bridging loans offer flexibility in terms of repayment options, such as paying off the loan early without incurring additional charges or extending the loan term if necessary.


A property chain break can be a frustrating setback in the UK property market, but it doesn't have to derail your plans. By utilising a bridging loan, you can overcome the challenges associated with a chain break and ensure a successful property transaction.

Remember to explore different lenders, compare loan terms, and seek professional advice to make an informed decision that suits your specific circumstances.

We're experienced financial experts who arrange short term bridging loans for property owners who need to fix their broken property chain fast. We're able to help you secure the best deal from over 200 bridging loan providers including private investors and family offices.

Get expert assistance today, we're on hand to answer any questions about bridging loans.

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Call our friendly team on 01202 612934we're ready to help.

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