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Buying at auction means completing in 28 days — there's no room for slow lenders or poorly packaged cases. EAS Finance arranges auction finance for property developers and investors across the UK, with lenders who can move as fast as you need them to. We prepare your case before auction day so that when the hammer falls, your funding is ready to go.
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 un-mortgageable 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 £100,000 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
Cost of Not Having Funding Ready
In the UK, around 20 to 33 percent of auction purchases fail to complete. Many of these failures occur after the hammer falls, when buyers are unable to secure finance within the strict 28 day completion deadline.
Auction contracts typically require completion within 28 days. Missing that deadline can mean forfeiting the 10 percent deposit. On a £300,000 property, that is £30,000 lost immediately.
Even experienced investors can be caught out. A down valuation, an issue buried in the auction legal pack, or a property being deemed unmortgageable can all prevent funding from completing in time.
Completion rates have improved over time, rising from around 60 percent in 2008 to roughly 75 to 80 percent today. However, around one in five auction purchases still fail, with finance issues remaining the leading cause.
Source: https://www.homesellingexpert.co.uk
TRUST EXPERIENCED PROFESSIONALS
After successfully securing a property at auction, we can assist in structuring a follow-on Development Finance package to cover the construction costs.
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