Making an Offer
What is a property chain?
Last reviewed: 3 October 2026
The brief answer
A chain is a line of linked purchases where each sale depends on another. If one link fails or is delayed, everyone in the chain can be affected.
In plain English
For example: you buy from a seller who is buying another home, whose seller is buying another home. All exchanges usually need to happen on the same day.
First-time buyers are often 'chain-free' at their end, which makes them attractive to sellers. But the seller's onward purchase can still create a chain.
Homes with no onward chain (for example, empty properties or new builds) are often simpler, though not risk-free.
Why it matters
Chains are a common cause of delays and failed purchases. Knowing the chain helps you plan dates and expectations.
What to do next
- 1Ask the agent how long the chain is and whether everyone has a buyer and a mortgage.
- 2Ask for regular chain updates from the agent.
Checklist
- Chain length known
- Seller has found a home
- Everyone in the chain has a mortgage in place
Official and independent sources
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Taran Property Hub provides educational information, practical explanations, administrative support and property-purchase guidance. We do not provide regulated mortgage advice, legal advice, conveyancing, surveying or lending. Mortgage advice must come from an appropriately authorised mortgage adviser; legal advice from a qualified solicitor or conveyancer.