Auction finance is a short-term bridging loan designed to help you complete a property purchase within the auction house’s 28-day deadline. Our facility can incorporate additional funds for light refurbishment, allowing you to enhance the asset’s value immediately

Provided legals and valuation are in order, we can advance funds within 24–48 hours, ensuring you meet completion dates without delay

We lend up to 80 % Net Loan-to-Value (LTV), which typically covers both the winning bid and the cost of cosmetic or structural improvements.

No. We operate on a rolled-up or retained interest model: interest accrues and is settled upon sale or refinance, preserving your cashflow during the project

Only a three-month minimum term applies. After that, you may redeem the loan at any point without penalty

Property flippers acquiring below-market-value (BMV) assets.

Buy-to-let landlords upgrading stock or converting to HMOs.

Developers needing swift capital for value-add projects prior to resale or term finance

Typical eligible works include:

Replacement kitchens or bathrooms

Internal reconfigurations for better layout

Rewiring, compliance, and safety upgrades

HMO conversions for up to six occupants

Decision in Principle (DIP) – secure borrowing capacity before auction day.

Bid with confidence – purchase the lot knowing finance is arranged.

Complete in 28 days – we fast-track legal and valuation steps.

Draw refurbishment funds – released in a single tranche or staged drawdowns.

Exit – sell for profit or refinance onto a longer-term buy-to-let or development mortgage

Speed: 24–48-hour funding turnaround

High leverage: up to 80 % Net LTV (100% net LTV available for BMV properties)

No ERCs: repay any time after three months

Cash-flow efficiency: rolled-up interest, no monthly servicing