Bridging Finance

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.

Chain Break

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.

5 Days

Fastest Completion

0.49%

Rates From (pm)

75%

LTV Available

Chain Free

Buyer Status

Key Benefits

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.

The Process

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.

Get a Quote Discuss Your Requirements

FAQs

Frequently asked questions

What is a bridging loan and when is it used?

A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.

How much can I borrow on a bridging loan?

We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.

How fast can a bridging loan complete?

Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.

What exit strategies do lenders accept?

The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.

What are typical bridging rates and fees?

Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.

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