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.
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.
Three core chain-break scenarios
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
£650,000
£200,000£3,000,000
£220,000
£0£1,500,000
B. New Home & Facility Timeline
£800,000
£200,000£3,000,000
£150,000
£0£500,000
6 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.
Download Your Chain-Break Safety Report & Request Term Sheet
A four-page feasibility report for estate agents and proof-of-funds discussions.
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.