{"id":2508,"date":"2021-06-14T17:41:01","date_gmt":"2021-06-14T17:41:01","guid":{"rendered":"https:\/\/www.yopa.co.uk\/homeowners-hub\/?p=2508"},"modified":"2021-06-14T17:42:07","modified_gmt":"2021-06-14T17:42:07","slug":"how-to-avoid-a-property-chain","status":"publish","type":"post","link":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/how-to-avoid-a-property-chain\/","title":{"rendered":"How to avoid a property chain when buying or selling your home"},"content":{"rendered":"\n

For the\nuninitiated, a property chain is a series of separate property transactions\nwhich are all dependent upon each other to ensure each property purchase is\ncompleted successfully. If you have a house to sell to fund the purchase of\nyour next home, you will be in a chain with the buyer of your existing property\nand the vendor of the property you wish to buy. They too could each be in separate\nchains of their own, which will have an impact on the chain between the three\nof you. <\/p>\n\n\n\n

Being tied into\na chain when buying and\/or selling your property can be particularly stressful\nsince you are dependent on actions and timescales outside of your control for a\nsuccessful outcome. <\/p>\n\n\n\n

So, what can\nyou do to get out of a frustrating property chain, or avoid one completely?\nRead on for some tips on side-stepping this common and often challenging aspect\nof property purchases whether you are the buyer, seller or both. <\/p>\n\n\n\n

One of the\neasiest ways to avoid finding yourself in a chain or minimise the impact, is to\nsell your own property first before you make an offer on a new one<\/strong>,so\nyou only need to focus on the purchase you are making. <\/p>\n\n\n\n

Yes, you will\nhave to think about renting or bunking in with family for a short time which\ncould bring with it additional costs like rental, removal and storage fees but\nvendors will always look more favourably on buyers with no chain of their own\nand you may also be able to use your position to negotiate a better sale price\nif you vendor has set timescales for their move. <\/p>\n\n\n\n

The likelihood\nof you being gazumped<\/a>, is also less when you can offer the\nvendor a stress free property transaction which allows them to dictate the\ncompletion date. When you are in a competitive housing market where properties\nare quickly being snapped up, it can mean the difference between bagging your\ndream home or missing out completely if you are in a position to move quickly\nand have cash in the bank.   <\/p>\n\n\n\n

When you are in\nthe midst of a property chain and have already exchanged contracts and spent a\nsignificant sum on non-refundable fees like your deposit, surveys, solicitor\nfees and searches there are<\/em> options you can take to speed up the process\nand stop your sale(s) from falling through. However, these options do come with\ntheir own pros and cons so you will need to decide which is the right route to\ntake in your own personal circumstances and take advice from your conveyancer\nand\/or financial advisor. <\/p>\n\n\n\n

Firstly, you could\ntake out a bridging loan<\/strong>, which allows you to borrow money in the short\nterm. This might be a good option if it is looking increasingly unlikely that\nthe transaction for your sale and purchase will happen on the same day and you\ndon\u2019t want to lose out on the money you have already spent, or the new property\nyou wish to buy.  <\/p>\n\n\n

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\n \n
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\n \"\" <\/div>\n
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\n Instant online valuation<\/span> <\/div>\n
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Get a rough estimate of your home's value now.<\/p> <\/div>\n <\/div>\n<\/div>\n <\/a>\n <\/div>\n

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\n Face-to-face valuation<\/span> <\/div>\n
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Book an appointment with your local Yopa agent.<\/p> <\/div>\n <\/div>\n<\/div>\n <\/a>\n <\/div>\n<\/div>\n\n\n\n\n

The loan allows\nyou to bridge the gap<\/em> (hence the name) so you can buy a property before you\nhave formally sold your own. A bridging loan can be arranged much more quickly\nthan a mortgage or remortgage loan and doing so will also show your vendor that\nyou are serious about the purchase despite any delays in selling your own\nproperty. <\/p>\n\n\n\n

However, there\nis of course an inherent risk involved in borrowing money which is secured\nagainst your property with the intention to pay back the loan once the property\nhas been sold in case there are any issues with the sale or your circumstance\nchange. As you would expect, bridging loans also attract high levels of\ninterest which could force you to sell your home at a lower price than you had\nplanned so you can pay off the loan quickly. If the value of the property you\nare selling were to decreases substantially you may also be left unable to pay\nback the loan. As such, this is not a step to be taken likely and should only\nreally be undertaken if you have already exchanged on both properties and you\nand your vendor and buyer are therefore tied into the sale.<\/p>\n\n\n\n

Alternatively,\nthere is also the option to remortgage your current home<\/strong> to free up\nenough capital to cover the deposit on your new property and then, depending on\nyour personal circumstances, either rent out your existing property (commonly\nknown as \u201clet to buy\u201d<\/strong>) to pay for your new mortgage or continue to sell\nthe existing property without the pressure of losing out on your new home. <\/p>\n\n\n\n

This does mean\nthat you will have two mortgages though, and to be eligible to do so you must\nhave already paid off a significant amount of your first mortgage (known as a\nlow loan to value ratio) to allow you to borrow sufficient money to cover the\ndeposit on your next property. Again, you should only do so once you have\nalready exchanged on a property and there is limited risk of gazumping or your\nvendor pulling out. It is also risky to proceed with this option unless your\nexisting property is already on the market in case there is a delay in selling\nand you are left in arrears. When remortgaging with the intention to sell you\nshould also ensure that there are no early repayment fees on the existing or\nnew mortgage which will penalise you when you sell the existing property or pay\noff any of the new mortgage with proceeds from the old house sale.  <\/p>\n\n\n\n

How to avoid\na chain when you are a vendor<\/strong><\/h3>\n\n\n\n

For vendors,\nthe main way to avoid finding yourself in a risky property chain is to make\nsure you (via your estate agent<\/a>) have done your homework about your\npotential buyers. Whilst it is tempting to go for the highest offer you\nreceive, you may save yourself a lot of heartache by going with a slightly\nlower offer from a more solid buyer. <\/p>\n\n\n\n

Of course,\nbuyers can often promise the earth to secure their dream property. As such,\nmake sure you have seen proof of funds at an early stage if they have told you\nthat they are a cash buyer and a valid mortgage agreement or agreement in\nprinciple if they are buying with a mortgage loan. For buyers who have their\nown chain, make sure you have seen evidence of the sale of their existing property\nprogressing at a good rate before you take your own property off the market and\nagree to the sale. <\/p>\n\n\n\n

Keeping in\nregular contact via your conveyancers throughout the property transaction and\nensuring you return your own paperwork and responses to queries in a timely\nmanner will also mean you avoid any unnecessary delays which could have an\nimpact on the wider chain. It also pays to make sure you are aware of any\ndeadlines that your buyer may have when it comes to mortgage agreements so that\nthe sale doesn\u2019t fall through at the final hurdle. <\/p>\n\n\n\n

Offering to\nvacate your existing property and move into rented accommodation to ensure the\nsale of your own property can be a wise move too if your buyers are chomping at\nthe bit and your upwards chain is moving at a slower pace.    <\/p>\n","protected":false},"excerpt":{"rendered":"

For the uninitiated, a property chain is a series of separate property transactions which are all dependent upon each other to ensure each property purchase is completed successfully. If you have a house to sell to fund the purchase of your next home, you will be in a chain with the buyer of your existing<\/p>\n","protected":false},"author":4,"featured_media":2509,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,1],"tags":[],"class_list":["post-2508","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-selling","category-buying"],"acf":[],"yoast_head":"\nHow to avoid a property chain when buying or selling your home - Yopa Homeowners Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/how-to-avoid-a-property-chain\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to avoid a property chain when buying or selling your home - Yopa Homeowners Hub\" \/>\n<meta property=\"og:description\" content=\"For the uninitiated, a property chain is a series of separate property transactions which are all dependent upon each other to ensure each property purchase is completed successfully. 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