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

Your next property move.
Made possible.

Bespoke bridging and development finance, built around your plans. Our experienced specialist advisers know the market, check lenders’ appetite for your deal and guide it through to completion.

Get your quote →Find my product
  • 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
Every property has a story.Let’s move yours forward.
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
—
Arrangement fee (assumed 2%)
—
Interest over the term
—
Total to repay at the end
—

No credit search · No upfront fees

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

Illustrative only, not an offer. Valuation and legal costs excluded.

Step 2 of 2

Tell us about the deal

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

Please add your name.
Please add a valid phone number.
Please add a valid email.

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 throughoutTransparent communication, from first call to completion.

Whatever your next move.

Select a building, or try our product finder →

Choose a property type, or scroll along the street.

A LITTLE GUIDANCE FOR YOUR NEXT MOVE

Your property. Your plans.
Let’s find a starting point.

Three quick questions to explore relevant finance products. No contact details needed.

Explore our full product range or talk to a specialist about your plans.

Recent cases

Problems solved, deals completed.

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

See all case studies →

TAILORED TO YOUR NEXT MOVE

The right finance.
For your kind of property.

Explore all 24 products. Our specialist advisers can help narrow down the options and check lender appetite for your deal.

Not sure where to start?
Talk to a specialist ↗

Showing all 24 products

Light refurbishment bridging loans

For cosmetic improvements and non-structural works.

Development exit bridging loans

Refinance a finished development while you arrange its exit.

Regulated bridging loans

Explore regulated finance through an authorised lender or broker referral.

Commercial no valuation

Commercial property funding with alternative valuation routes.

Commercial bridging loans

Short-term finance for commercial property purchases and refinancing.

Permitted development finance

Funding for conversions under permitted development rights.

HMO bridging loans

Finance for houses in multiple occupation.

Unregulated bridging loans

Explore bridging for eligible investment and business purposes.

AVM bridging loans

Explore funding assessed using an automated property valuation.

Desktop valuation bridging loans

Finance using a desktop assessment of the property.

Residential bridging loans

Bridging mortgages for chain breaks and buying before you sell.

Bad credit bridging loans

Explore property-backed options with adverse credit considered.

Refinance bridging loans

Review rebridging options for an existing property loan.

Property development finance

Ground-up, conversion and mezzanine funding up to 90% loan to cost.

Land bridging loans

Finance for land with or without planning permission.

Refurbishment bridging loans

Funding for property improvements and larger renovation projects.

Equitable charge bridging loans

Explore borrowing secured through an equitable charge.

Second charge bridging loans

Additional borrowing behind an existing first-charge loan.

High-value residential bridging loans

Larger facilities secured against residential property.

Closed bridging loans

Short-term borrowing with a defined repayment exit.

Bridge-to-let

Bridge funding with a planned move to buy-to-let finance.

Auction bridging loans

Finance arranged around an auction completion deadline.

SPV bridging loans

Property finance for special purpose vehicle companies.

Listed building bridging loans

Specialist funding for listed properties.

Fast bridging loans

Same-day decision, funds in 48 hours to 7 days.

Every deal is different. Get realistic recommendations, honest feedback and clear next steps.

Compare your options →
Why borrowers choose Aura

Tailored advice. Honest answers.

Honest feedback, early

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 →

Realistic recommendations

Our experienced specialist advisers know the market. We recommend lenders and valuation routes that fit your deal and can realistically meet your deadline.

See the London refinance →

Lender appetite comes first

We discuss your property, plans and circumstances with suitable lenders to establish appetite before progressing. Your recommendations are tailored to the deal, not a generic shortlist.

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

    Your specialist adviser coordinates the valuation and legal work with the lender and your solicitor, keeping you informed of progress, costs and any issues 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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