Side by side
| Factor | Chain-free, lower offer | In a chain, higher offer |
|---|---|---|
| Risk of falling through | Lower | Higher — any link can break |
| Speed | Usually faster | Set by the slowest link |
| Price | Lower | Higher |
| What to check | Mortgage in principle or proof of funds | Status of their sale and the chain below |
Figures are typical UK ranges, not quotes. Always check the contract you are offered.
When each one wins
Chain-free
- You are buying too and have a deadline
- The price difference is small
Higher offer
- Their own sale is already agreed with a short chain
- You have time and no onward purchase
Our take
Put a rough risk on the chained offer. If you think there is a one-in-five chance it fails, a 2% higher price is not worth much once you count the months lost if it does.
Questions sellers ask
Can I accept one offer and keep the other buyer interested?
You can ask your agent to keep marketing until exchange, but be open with both buyers about where things stand.
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