UK Independent. Sourced. Primary. · Est. 2024
Home Mortgage What Is gazumping? UK Meaning Explained
Mortgage

What Is gazumping? UK Meaning Explained

Gazumping is when a seller accepts a higher offer from another buyer after already agreeing a sale, before contracts are exchanged. Because an agreed sale is not legally binding until exchange, the original buyer can lose the property despite their accepted offer.

CT
Chandraketu Tripathi
Finance Editor, Kaeltripton
Published 11 Jun 2026
Last reviewed 11 Jun 2026
✓ Fact-checked
Kael Tripton. UK Independent Publisher.
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MORTGAGES & PROPERTY

Gazumping is when a seller accepts a higher offer from another buyer after already agreeing a sale, before contracts are exchanged. Because an agreed sale is not legally binding until exchange, the original buyer can lose the property despite their accepted offer.

In one line: Gazumping is when a seller ditches an agreed buyer for a higher offer before contracts are exchanged.

How gazumping works

In England and Wales a property sale becomes legally binding only at exchange of contracts. Until then either side can walk away, so a seller can accept a better offer at any point before exchange.

A buyer with an accepted offer of 250,000 GBP might have spent around 500 GBP on a survey and several hundred more on legal fees, then lose the home to a rival offering 260,000 GBP, with no automatic right to recover those costs.

Moving quickly to exchange, and using a lock-out agreement, can reduce the window in which gazumping is possible.

Gazumping vs gazundering

Gazumping favours the seller: a higher rival offer displaces the agreed buyer. Gazundering is the reverse, where a buyer lowers their offer just before exchange, pressuring the seller.

Both exploit the gap between offer acceptance and the legally binding exchange of contracts.

Primary source: GOV.UK: Buying a home

Informational only and not financial, legal or tax advice. Rules and figures change; confirm current details with the named source or a qualified adviser before acting.
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CT
Chandraketu Tripathi
Finance Editor · Kaeltripton.com
Chandraketu (CK) Tripathi, founder and lead editor of Kael Tripton. 22 years in finance and marketing across 23 markets. Writes on UK personal finance, tax, mortgages, insurance, energy, and investing. Sources: HMRC, FCA, Ofgem, BoE, ONS.

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