Bridging Loans for Chain Break

Get in touch for a free, no-obligation chat with an adviser about how we might be able to help.

[]

1 Step 1

Home » Bridging Loans » Bridging Loans for Chain Break

Chain Break Bridging Loans

Keep your property purchase on track when your chain collapses.
Last updated: October 2025

When Your Property Chain Breaks, We Keep You Moving

Your buyer’s delayed. Your dream home can’t wait.
We provide fast, flexible bridging finance that gets you across the line with confidence and control.

What Is a Chain Break Bridging Loan?

A chain break bridging loan provides short-term finance to complete your property purchase when your sale falls through or is delayed. It bridges the gap between buying and selling, giving you the flexibility to move forward without losing your new home.

It is quick, flexible funding designed to take the stress out of a broken chain and put you back in control.

How It Works

We secure a short-term loan against your current property or the one you are buying. Funds are typically released within 2-3 weeks, allowing you to complete your purchase on schedule.

Once your sale completes or longer-term finance is arranged, you repay the bridging loan in full.

Many clients later refinance onto a buy-to-let mortgage once their sale completes.

Our brokers manage everything for you, working with lenders, solicitors, and surveyors to keep the process smooth and stress-free from start to finish.

To help things move as quickly as possible, it is important to stay organised. Having your documents ready, such as ID, proof of funds, property details, and your solicitor’s information, means we can respond to lender requests immediately and keep your case moving fast.

When It Is Used

Chain break bridging is ideal when your buyer’s mortgage offer is withdrawn, your sale is delayed, or your completion date is approaching. It ensures your purchase goes through even when your chain does not.

We can arrange chain break bridging loans from £25,000 to £25 million, for up to 18 months.

We also arrange auction bridging finance and refurbishment bridging loans for investors and developers.

Most clients can borrow up to 75% loan-to-value, and in some cases up to 100% LTV if you have additional security such as your current property.

Costs and Fees

Every bridging loan is bespoke. Costs depend on your property, loan size, term, and exit strategy.

You will typically pay an arrangement fee, valuation fee, and legal costs. We are completely transparent about all charges from the start, so you always know exactly what to expect.

Our role is to find you the most competitive, suitable deal for your circumstances.

Real Client Example

A client in Bristol was ready to complete on their new home when their buyer’s mortgage offer fell through just days before exchange.

We arranged a chain break bridging loan within a week, allowing them to complete their purchase on time. Six weeks later, when their sale completed, they repaid the loan in full.
No stress. No missed opportunity.

Speak To An Expert

Giving you peace of mind while you sit back and let us do all the work for you while finding you the best deal for your financial situation.

Why Choose GPS Financial

Because when time is tight, experience matters.

Same-day decisions in principle
Fast completions in as little as 2-3 weeks, but faster if needed.
Access to a panel of specialist UK lenders
Clear, transparent advice
End-to-end support until your loan is repaid

We shape every solution around your project and move fast to get your deal across the line.

Frequently Asked Questions

How quickly can a chain break bridging loan be arranged?
Funds can often be released within 2-3 weeks. We can issue a same-day decision in principle and move quickly once valuations and legals are complete. Being organised with your documents and details from the start can make a big difference to how fast your loan completes.

How much can I borrow?
From £25,000 to £25 million, depending on property value and available equity.

What can a chain break bridging loan be used for?
It is used to complete a property purchase when your sale falls through or is delayed, keeping your move on track without waiting for your buyer.

Do I need to own my current property outright?
No. You can usually secure the loan even if there is still a mortgage in place, as long as there is sufficient equity.

How long can I have the loan for?
Most loans last between three and twelve months, with terms available up to eighteen months for more complex cases.

Can I get a chain break loan if I have poor credit?
Possibly. Some lenders are flexible, depending on your exit plan and the strength of your security.

Each lender has different criteria, and GPS Financial will always recommend an appropriate option in line with Financial Conduct Authority guidance

Still unsure whether a chain break loan is right for you? Learn more about bridging finance and how it compares to other short-term options.

Ready to Keep Things Moving?

Call 029 2267 7707 or fill out our contact form to speak with a specialist about your chain break bridging options.

Content reviewed by Morgan Stewart, Director