Use case
Chain Break
A chain break happens when a property sale falls through, leaving the seller unable to fund the onward purchase. Bridging finance is the standard fix.
Property chains are a common feature of the UK residential market — Buyer A is selling to Buyer B, who is selling to Buyer C, etc., with each transaction conditional on the next. If any link breaks (mortgage withdrawn, survey down-valuation, buyer change of heart), every transaction above it stalls.
A chain-break bridge funds the onward purchase using the sale proceeds of the current home as the eventual exit. The borrower keeps both properties briefly — until the original sale is replaced — then repays the bridge from the sale completion.
Chain-break bridges are almost always regulated (the security includes an owner-occupier property), so terms are 12 months max with retained interest. Most cases complete in 2-6 weeks once instructed.