INDEPENDENT ESTATE AGENTS
ESTABLISHED 1996
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When you sell your home, you'll likely find yourself in a property chain. Understanding how property chains work – and how they can affect your sale – is essential for an efficient move.
A property chain happens when several house sales rely on the sale of one another in order to complete the purchase. For example, you might be selling your home to someone who needs to sell their property before they can complete, and that person might be selling to someone else who also needs to sell.
Many find themselves in a property chain, making it an extremely common situation in the housing market.
Selling a home takes 4 to 5 months on average, but chain sales often take longer as your sale can only progress as fast as the slowest link in the chain.
Every property must go through the same steps: securing mortgages in principle, having offers accepted, completing conveyancing searches, finalising mortgage offers, exchanging contracts, and reaching completion day. A delay at any point creates a ripple effect throughout the entire chain for everyone involved.
The government reports that around 1 in 3 property transactions fail, with property chains being a major contributing factor.
Chains can collapse for various reasons: a buyer's mortgage application fails, survey issues emerge, someone changes their mind, or legal delays occur. The longer your chain, the greater these risks become. Chain breaks create a vicious cycle. When one sale falls through, finding a replacement buyer can take weeks or months, often leading to the collapse of the entire chain.
While you can't control everything in a property chain, you can take steps to reduce delays, such as:
Your estate agent and solicitor can make or break your chain experience. Look for agents with strong local knowledge and local solicitors known for efficient communication.
Have a backup plan in case your chain breaks - could you stay with family temporarily? Being mentally prepared for complications reduces stress and helps you make better decisions.
Understanding property chains puts you in a stronger position when selling your home.
If you'd like expert guidance on navigating your property sale, our team can help you develop a strategy that works for your circumstances. Contact us today for a free consultation.
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Start your journey with Hearnes today. Contact our friendly team to buy or sell local property. We pride ourselves on being a people business offering personalised services.
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We write regular posts to share information on the world of property. Many of our posts provide real-time insights into local property trends. Take a look to find out more.
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We have five branches, each dedicated to helping buyers and sellers in their local area. Find information, including contact details, for each of our branches here.
Each of our branches has a dedicated and professional team ready to help buyers and sellers in their local area. Find out more about each of our team members here.
Here at Hearnes, we are a people business operating within the property sector. We are all about service and going the extra mile to ensure our clients get the home they want as smoothly as possible.
We're always happy to help. Whether you are looking to sell your home, buy a new one, or just want to chat with someone about how we can help with a stage in the process, get in touch, and we'll see what we can do!
