03/09/2026
Why chains break and what happens next
Chains can break for many reasons: a buyer’s mortgage might be declined or a valuation may come in lower than expected; a survey could uncover issues that a buyer won’t accept; a search could reveal a worrying problem; someone might get cold feet; or a serious event such as illness or death can disrupt the sequence.
When a chain breaks, the consequences depend on your position. If you’re selling and your buyer pulls out, your onward purchase could be jeopardised because you may no longer have the funds to proceed — you’ll then need to find a new buyer and renegotiate timescales with the person you’re buying from.
If you’re buying and your seller pulls out, you’ll need to resume house-hunting and be aware that costs already spent on searches, surveys and legal work are typically non-refundable.
It’s stressful, but immediate contact with your solicitor will help you understand the options and plan the next steps calmly.
If you’re worried about your chain, call 01909 550730 for prompt advice and practical options from our conveyancing team.