Auction Finance
Secure auction finance with competitive rates, expert guidance, and a fast application process.
What is Auction Finance?
When you win a property at auction, you typically need to:
- Pay 10% deposit immediately
- Settle the remaining balance within 28 days
Traditional mortgages often take too long, so auction finance steps in to bridge the gap until you can refinance or sell the property. Find out more about our bridging services.
Find an Expert
Our expert team of finance brokers are ready to provide you with all the advice and support you need to make the best business decisions
Contact Us
Looking for expert advice or simply want to find out more about what we offer? Complete our enquiry form and we’ll get back to you.
Why Choose Auction Finance?
Buying property at auction requires speed, certainty, and access to funds, often within 28 days. Our property auction finance solutions are designed to help UK investors, landlords, and developers act quickly and confidently.
Benefits of auction finance:
- Quick turnaround: Enables buyers to complete purchases within auction deadlines.
- Access to opportunities: Allows investors to bid on properties that may not qualify for traditional mortgages.
- Tailored solutions: Finance can be structured to suit the property type, condition, and buyer’s exit strategy.
Whether you're purchasing a residential investment, commercial unit, or mixed-use property, we offer tailored funding options that match your timeline and goals
What are the key features of Auction Finance?
- Fast turnaround: Funds can be arranged in 5–21 days, sometimes even faster
- Short-term loan: Usually 1–18 months, with some extending to 36 months
- Interest-only payments: You pay interest monthly, not the full loan amount
- Exit strategy required: You’ll need a clear plan to repay, like refinancing or selling
How Auction Finance Works: A Simple 3-Step Process
1. Initial Consultation
Speak with our experts to outline your auction plans and funding needs.
2. Tailored Proposal
We assess your property, timeline, and exit strategy to match you with the right lender.
3. Fast Completion
Receive funds in time for auction deadlines, with support throughout the process.
Estimate your costs with our bridging calculator
Use our calculator to estimate interest, fees, and repayment terms. Typical costs include arrangement fees, valuation, legal fees, and monthly interest, often rolled up until exit.
Additional Real Estate Services
Real Estate Finance
Commercial Bridging Finance
Development Finance
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Auction Finance FAQ
How does auction finance work?
Auction finance provides short-term funding to complete property purchases quickly, often within 28 days. It’s typically repaid through refinancing or sale.
Can I get finance for auction properties with no prior experience?
Yes. While experience helps, we work with first-time buyers and seasoned investors alike to structure deals that suit their needs.
What types of properties can be purchased at auction?
Auction finance can be used to purchase a wide range of property types, including residential homes, commercial buildings, mixed-use developments, and land plots. Investors often target properties with refurbishment potential or those available below market value. Understanding the type of property and its condition is essential when planning your funding strategy.
What are the risks of buying at auction?
While auctions offer opportunities for below-market purchases, they also carry risks. Properties are sold as seen, often with limited time for due diligence. Buyers must be prepared for unexpected costs, legal issues, or structural problems. Auction finance helps mitigate these risks by ensuring funds are available quickly, allowing buyers to act decisively.
What types of properties can be purchased at auction?
Auction finance can be used to purchase a wide range of property types, including residential homes, commercial buildings, mixed-use developments, and land plots. Investors often target properties with refurbishment potential or those available below market value. Understanding the type of property and its condition is essential when planning your funding strategy.