FCA-Regulated Bridging · Chain-Break & Auction Desk

Buy Your Next Home Before Selling Your Current One

Don’t lose your dream home because of a collapsed property chain. Use FCA-regulated chain-break bridging to secure your purchase with zero monthly repayments during the loan term.

Run Your Chain-Break Safety Check Speak to Adrian (Specialist Desk)

Three core chain-break scenarios

Chain Saver

The Collapsed Sale Chain

Your buyer pulls out at the last minute. A regulated bridge can protect the onward purchase while your old home is re-marketed.

Unrushed Transition

Buy Before You Sell

Secure the new home first, move comfortably, then prepare and sell the previous property without a rushed chain.

28-Day Completion

Residential Auction Purchases

Complete within strict auction deadlines where standard mortgage processing may be too slow.

Chain-Break Safety & Net Equity Calculator

A. Existing Home Details

Current Home Estimated Value£650,000

£200,000£3,000,000

Existing Outstanding Mortgage£220,000

£0£1,500,000

B. New Home & Facility Timeline

New Home Purchase Price£800,000

£200,000£3,000,000

Cash Deposit Available£150,000

£0£500,000

Estimated Bridge Term6 months

1 month12 months

Indicative retained interest uses 0.85% monthly. Lender fees, legal costs and valuation charges are excluded.

Total Combined Portfolio Value

£1,450,000

Gross Borrowing Capacity at 75% Max LTV

£1,087,500

Retained Interest Buffer

£44,370

Net Cash Available for New Purchase

£823,130

Strength Score & Safety Buffer

59.3%

Safety Check Passed

Your combined equity provides a 59.3% safety buffer. The model can fund the purchase with no monthly bridge payments while your current home is sold.

Request Term Sheet

Download Your Chain-Break Safety Report & Request Term Sheet

A four-page feasibility report for estate agents and proof-of-funds discussions.

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Onward Purchase Timeline

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Important Regulatory Notice on Regulated Bridging

Acorn.mortgage (Trading style of Paul Thompson) is authorised and regulated by the Financial Conduct Authority (FCA #660207). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Regulated bridging loans are short-term secured facilities. Exit viability, usually via property sale or conventional refinancing, must be verified during underwriting.

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