Aura Capital — Property finance, built around you
SPECIALIST PROPERTY FINANCE / UK

Your next property move.
Made possible.

Compare property finance options in one place. See the rates, fees and total costs side by side, with one specialist to take your deal through to completion.

Get your quote →Talk to a specialist
  • From 0.53%a month on qualifying bridging
  • £26,000 to £10,000,000+larger facilities considered
  • 50+ lendersspecialist bridging and development
  • 3 to 18 monthstypical bridging terms
Step 1 of 2

What could your loan cost?

Enter the property value and the cash you need on completion.

12 months
How would you pay the interest?

Rolled up: interest is added to the balance and paid at the end.

Illustrative rateExample—
View the full cost breakdown
Gross loan
—
Loan to value, day one
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Arrangement fee (assumed 2%)
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Interest over the term
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Total to repay at the end
—

No credit search · No upfront fees

Want quotes compared across our lender panel? Use the full calculator →

Illustrative assumptions only: 0.53% a month up to 60% loan to value, 0.62% up to 70% and 0.69% up to 75%, simple interest and a 2% arrangement fee deducted at completion. Lenders' minimum fees, valuation and legal costs are not included. Not a personalised rate or an offer.

Step 2 of 2

Tell us about the deal

A specialist will review it and come back with personalised terms.

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No credit search. See our privacy notice.

No credit search to get a quoteA lender may run one later, and we'll tell you first.

No upfront feesEvery cost is set out in writing before you commit.

One specialist throughoutFrom first call to funds at your solicitor.

Whatever your next move.

Select a building. Find the finance behind it.

Choose a property type, or scroll along the street.

Recent cases

Problems solved, deals completed.

A few cases we have arranged, and how each one was structured.

See all case studies →

What we arrange

Finance for each stage of a property deal.

Why borrowers choose Aura

Experience where deals usually get stuck.

We lead with the difficult part

Leases, title issues, adverse credit or a tight deadline go to the lender first, so a decline happens before you spend money, not after.

See the Preston case →

We move when it's urgent

Where time is short, we focus on the lenders and valuation routes that can actually meet the date.

See the London refinance →

We match the lender to the scheme

Development, conversion and refurbishment lenders differ widely. We place each case with lenders that suit the asset and the plan.

See the Manchester scheme →
How it works

From first call to funds, in three steps.

  1. Day one

    Tell us the deal

    Use the bridging calculator or call us. We'll ask about the property, the amount, the timescale and the exit.

  2. Usually within a day

    We find the lender

    We discuss the case with suitable lenders and come back with terms and every cost in writing.

  3. Often one to three weeks

    Funds at your solicitor

    We progress the valuation and legal work with the lender and your solicitor through to completion.

Questions

Straight answers.

Can't see yours? Call 01451 514563 or WhatsApp us.

What is a bridging loan?

Short-term finance secured on property, usually for 3 to 18 months. It's used to buy, refinance or renovate quickly, and is repaid by selling the property or refinancing onto a longer-term loan.

How quickly can you arrange funding?

Many bridging loans complete in one to three weeks. Desktop or automated valuation routes can be quicker. Development finance usually takes longer because of the extra due diligence.

Can I borrow with adverse credit?

Adverse credit is considered case by case. Many specialist lenders look at CCJs, defaults and missed payments, though they may affect the rate or how much you can borrow.

What does it cost?

Bridging rates start from 0.53% a month on qualifying cases. Lenders usually charge an arrangement fee, and there are valuation and legal costs. There are no upfront fees, and every cost is confirmed in writing before you commit.

How much can I borrow?

Loans start from £26,000, typically up to 70% to 75% of the property value for standard bridging, with higher leverage on some refurbishment purchases. Larger facilities, including £10m and above, are considered individually.

Talk to us

Prefer to talk it through?

Call, WhatsApp or email. You'll speak to someone who arranges bridging and development finance every day.

Call us01451 514563 WhatsAppMessage a specialist Emailenquiries@auracapital.co.uk

Discuss your deal.

Send us the figures or call. We'll tell you how lenders are likely to view it and what it will cost.

Get your quoteCall 01451 514563

Your property may be repossessed if you do not keep up repayments on a loan secured on it. Bridging finance is short-term borrowing and needs a clear exit. All figures are indicative and subject to lender underwriting, valuation and legal due diligence. Aura Capital is a trading name of Chammosair Limited, registered in England & Wales, company no. 15786496. Aura Capital is not authorised or regulated by the Financial Conduct Authority.

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