Auction Finance in as Little as 5–14 Days
- Funding for residential, commercial & land
- Up to 75% LTV (or more with additional security)
- Decision in principle within hours
Urgent Deadline? Auction completions usually require payment within 28 days. Don't leave it to chance.
What is Auction Finance?
Auction finance is a type of short-term bridging loan specifically designed for property buyers who need to complete a purchase quickly. Unlike a standard mortgage, which can take months, auction finance provides the speed required to meet strict 28-day completion deadlines.
Why Use Bridging Funding?
We are specialist introducers with access to a wide network of UK lenders. We don't just find a loan; we find the specific lender who understands your strategy—whether that's a quick flip, a heavy refurb, or a long-term hold.
How Auction Finance Works
1. Pre-Auction Approval
Contact us before the hammer falls. We’ll get you an indicative offer so you can bid with confidence.
2. The Hammer Falls
Once you win, you pay your deposit. We immediately instruct the lender to finalize valuations and legal work.
3. Completion
Funds are released to the auction house within your 28-day window (often sooner), and the property is yours.
What We Can Fund
- Unmortgageable properties (no kitchen/bathroom)
- Commercial units and mixed-use buildings
- Land with or without planning permission
- Standard residential investments
Who This Is For
- Experienced property developers
- First-time auction buyers
- Limited companies and SPVs
- Foreign nationals investing in UK property
Speed & Reality Check
While some lenders claim '24-hour funding', a realistic timeframe for auction completion—including legal due diligence and valuations—is 10 to 14 days. We work at pace to ensure you meet every milestone.
Auction Finance FAQs
How much can I borrow?
Do I need a survey?
Typically between £50,000 and £10m+, based on the property value and your exit strategy.
Yes, lenders will require an independent valuation to confirm the property's value and condition.
What are the rates?
Is credit history important?
Rates vary depending on LTV and risk, generally starting from 0.75% to 1.25% per month.
Lenders focus primarily on the 'exit strategy' (how you pay back the loan) rather than just credit scores.
Disclaimer: Bridging Funding is an introducer, not a lender. We facilitate connections between investors and specialist lenders. Property finance involves risk. Your property may be at risk if you do not keep up with repayments.