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Auction Finance – Fast, Certain, Ready When You Are
At auction, speed is everything. Once the hammer falls, you usually have just 28 days or less to complete. Without finance in place, opportunities can slip away.
That’s why we arrange fast auction finance and bridging loans, so you know your funding is secured before you bid. Whether it’s a buy-to-let, a commercial unit, or a refurbishment project, we keep the process simple, efficient, and focused on certainty.
When to Use Bridging Finance
When to Use Bridging Finance
- Buying property at auction (see dedicated Auction Finance page)
- Refurbishing or converting properties before refinancing
- Funding purchases of unmortgageable or non-standard properties
- Bridging a gap in a property chain
- Raising capital quickly for business or investment purposes
- Short-term funding while awaiting long-term mortgage approval
Typical Loan Structures
Typical Loan Structures
- Loans from £50,000 upwards (we specialise in loans > £2 million)
- Funding typically up to 75–80% loan-to-value (higher with additional security)
- Terms from 1 to 24 months, often structured for 6–12 months
- Interest can be rolled up, retained, or serviced monthly
- Flexible exit options: refinance, sale, or refinance-to-let
Our Auction Finance Process
Our Auction Finance Process
Quick call – understand your target purchase
Rapid pack preparation – match you to the right lender
Agreement in principle – secured before the auction
Fast drawdown – once the hammer falls, funds are ready
Why Choose Our Auction Finance Service
Why Choose Our Auction Finance Service
Speed you can count on – decisions in principle often within hours, with funds available in as little as 5–7 days
Specialist bridging solutions – for unmortgageable properties, heavy refurbishments, or complex title/legal cases
Pre-auction approval – know exactly what you can bid before you step into the room
Broad lender access – from mainstream banks to specialists comfortable with unusual, mixed-use, or non-standard properties
Clear exit planning – we help you map the move from short-term auction funding into a profitable refinance or sale
Key Auction Market Insights – The Cost of Not Having Finance Ready
Key Auction Market Insights – The Cost of Not Having Finance Ready
In the UK, between 20% and 33% of auction purchases fail to complete (Property Auctions News). Many failures occur after the hammer falls, often because buyers cannot secure finance within the strict 28-day deadline
Auction terms usually demand completion within 28 days. Miss that deadline and you can lose your 10% deposit — on a £300,000 property, that’s £30,000 gone instantly
Even experienced investors can be caught out. A lender’s valuation coming in lower than the purchase price, unexpected legal issues in the auction pack, or a property being deemed unmortgageable can all derail funding
Historically, success rates have improved — from around 60% in 2008 to 75%–80% today (Home Selling Expert). But roughly one in five purchases still fail to complete, with finance problems the leading cause
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