Chain Break Bridging Loans
Secure Your Next Home Without Waiting for Your Property to Sell.
Suitable for Homeowners Facing Delays or Breaks in Their Property Chain.
Short-term finance to help you complete your next purchase if your property sale is delayed. We assess your circumstances, explain the options and manage your application through to completion.
The Right Chain Break Finance
We assess your circumstances and identify suitable lenders who may help you purchase before your current property sells.
Clear Comparison of Options
We explain interest, fees, repayment terms and risks, so you understand the full financial commitment.
Managed Through to Completion
Your broker coordinates the lender, valuation and legal process, helping you work towards your purchase deadline.
Chain Break Funding Capabilities
A broken property chain doesn’t always mean losing your next home. We explore suitable short-term funding options based on your circumstances and available equity.
Whole of Market
We work with every lender offering chain break finance
12 months
maximum term available
Pricing from 0.55%
Per month
Free Valuations
available for selected scenarios
The loan amount and terms depend on property values, available equity, affordability where applicable and a credible repayment strategy. We explain the full costs and risks before you proceed.
What Does Chain Break Finance Look Like?
The structure depends on your existing property, available equity, onward purchase and repayment plans. We explain your options before you commit.
Borrowing & deposit
The amount available depends on the property values, existing mortgages and lender criteria. We calculate the likely cash available and any additional funds required.
Loan term
Regulated bridging loans are generally arranged for up to 12 months. The term must allow realistic time to sell your existing home and repay the loan by the agreed deadline.
Interest
Interest is usually ‘Rolled Up’ and added to the loan balance each month rather than paid out monthly.
Fees & total cost
We compare arrangement fees, valuation costs, legal fees, interest and any early repayment charges. The overall cost should be carefully considered against alternative options.
Property & security
The lender may take security over your existing property, your new home or both. We will help design the most suitable security package based on your circumstances.
Repayment
Repayment is normally expected from the sale of your existing home or another agreed source. We assess whether this is realistic and what could happen if your sale is delayed.
All finance is subject to lender assessment, valuation and legal checks.
What to consider
It’s important to understand these elements before proceeding.
Your purchase deadline
Establish when you need to complete and whether valuation, lender approval and legal work can realistically be finished in time..
Your Available Equity
Understand your outstanding mortgage, property value and the amount of cash likely to remain after the existing home sells.
Your Property Sale
Consider the likely selling price, how quickly the property may sell and whether you have an agreed buyer.
Your repayment plan
Allow for delays, additional interest and the possibility that your existing property sells for less than expected.
How We Help Keep Your Property Purchase Moving
You’ll deal directly with an experienced broker who explains your options clearly and personally manages the application, keeping you informed throughout.
1. Assess Your Circumstances
We review your existing property, current mortgage, onward purchase, available equity and expected repayment strategy.
2. Find and compare lenders
We identify suitable lenders and compare the borrowing amount, interest, fees, repayment terms and conditions.
3. Package and progress the case
We prepare the application, coordinate property valuations and liaise with lenders and solicitors to progress the finance.
4. Manage through to completion
We keep you informed, track outstanding requirements and work with the relevant parties towards your agreed purchase date.
Completion depends on lender approval and satisfactory valuation and legal work. Funding is not guaranteed.
Your Chain Break Finance Questions Answered
What is a chain break bridging loan?
A chain break bridging loan is short-term finance that may allow you to purchase a new property before selling your existing home. It can be useful when a buyer withdraws or delays threaten your onward purchase.
Can I buy my next home before selling my current property?
Potentially. If sufficient equity or suitable security is available, a specialist lender may provide short-term finance to complete the purchase. Approval depends on your circumstances, the property values and a credible repayment strategy.
How much can I borrow?
The amount depends on the value of the properties, outstanding mortgages, available equity and lender criteria. In some cases, taking security over more than one property may increase the borrowing available.
What happens if my existing home doesn't sell in time?
You remain responsible for repaying the loan by the agreed deadline. Additional interest or charges may arise, and an extension is not guaranteed. We discuss the risks and potential contingency options before you proceed.
Are chain break bridging loans regulated?
Bridging loans secured on a home occupied, or intended to be occupied, by you or certain family members are regulated by the Financial Conduct Authority. We assess the relevant lending requirements and explain the applicable protections and risks.
Peace of Mind With A Trusted and Regulated Broker
Xcel Finance is Directly Authorised by the Financial Conduct Authority (FCA) and a member of the National Association of Commercial Finance Brokers (NACFB), providing added reassurance that we work to high professional standards and are committed to delivering excellent customer outcomes.
Jamie Lloyd | Specialist Finance Broker
Jamie has 9 years’ experience in specialist property finance, with particular expertise in complex cases. He combines market knowledge and lender relationships to find practical solutions and secure the right outcome.
You’ll deal directly with Jamie from first enquiry through to completion. He stays personally involved, takes ownership and works with lenders, solicitors and the wider team to solve problems and keep things moving.
Whatever the case, you’ll have an experienced specialist with you from start to finish.
Get a Chain Break Finance Quote Here
Tell Us About Your Property Purchase and We’ll Help You Explore Your Options