A first-time buy-to-let investor purchased a one-bedroom flat at a Savills auction in Leeds for £54,000, only to be let down by her bridging lender inside the 28-day completion window. With only 10 days of extension remaining and her auction deposit at risk, Aura Capital stepped in — completing a £40,500 bridging loan in 9 days with no external valuation, a gifted deposit, and dual representation legals.

A buy-to-let in the East Midlands had been placed into receivership by Bank of Ireland following missed payments, while a Together second charge on the borrower's main residence added further pressure. Aura Capital structured a single £204,719 bridging facility across both securities — clearing all charges on the BTL, standing down the receivers, and redeeming the Together second charge, while leaving the existing main residence mortgage untouched.

A vacant, uninhabitable semi-detached in Essex — no standard mortgage possible. We placed a £172,240 bridging loan on AVM, 75% LTV, retained interest and no exit fee. Terms agreed within the hour.

12-Flat Portfolio Purchase, Scottish Borders

How Aura Capital refinanced a £3.27M distressed bridge across Marylebone W1 & Hyde Park W2 at 0.85% pcm — stopping receivers and preserving the sale.

Excerpt A repeat company borrower acquired a semi-commercial freehold in Exeter at auction for £78,000. Aura Capital structured a £54,600 gross facility with a day one net advance of £46,111.70 and a separate £30,000 works drawdown released in arrears — using a desktop valuation and dual representation legals to complete in 15 working days, well within the 28-day auction window.

A first-time investor contracted to buy an auction property in Stoke-on-Trent faced deposit loss after their mortgage broker failed to deliver within the required window. With just 10 days remaining, Aura Capital structured a £110,000 bridging loan at 77% net LTV — using a desktop valuation approved in 48 hours — and completed within the deadline.

Aura Capital structured a £401,000 commercial bridging loan to refinance a multi-let office in Dundee city centre — coordinating an early repayment charge settlement and a full ownership transfer into a newly formed SPV within a single funding event, at 67% LTV over a 12-month term.

Aura Capital arranged fast auction bridging finance for an HMO conversion project in Leeds, using a desktop valuation, no-search indemnity insurance, and same-day instruction to support a 10-day completion target.

A residential property investor needed fast bridging finance to fund refurbishment works and settle several outstanding commitments. With contractors already lined up and no appetite for upfront costs, speed was everything.

Aura Capital delivered a no valuation bridging loan at 75% LTV — no surveyor, no upfront fees, documents signed at home. Completed in 10 working days.

Excerpt Aura Capital provided acquisition and refurbishment bridging finance for an HMO conversion in Oxfordshire — funding the full project lifecycle from purchase through to licensing regularisation, with no valuation required and no-search indemnity accepted.

Aura Capital was mandated to deliver a strategic refinance to facilitate the borrower’s exit from an existing bridging facility, following a successful refurbishment and conversion of a freehold home in East London.

Aura Capital refinanced a £1,000,000 facility against a prime gated residence in Walton-on-Thames — with no new valuation required. An existing two-year-old report was audited and accepted, saving the borrower both cost and time, and enabling the deal to complete within a tight commercial deadline.

A borrower needed a second charge bridging facility completed within one month to meet a business deadline. Aura Capital delivered in 10 days — AVM approved on day one at zero cost, documents signed electronically, and funds drawn without a single surveyor instruction.

Aura Capital delivered a £575,000 rebridge in 17 days against a five-storey Grade II listed townhouse in Camberwell — clearing a default position with the existing lender and navigating a historic planning enforcement notice to give the borrower a clean, unhurried route to sale.

A client facing a bankruptcy petition, a 30-day possession order, and over £400,000 of outstanding liabilities needed an immediate solution. Aura Capital consolidated every debt into a single £550,000 bridging facility — annulling the bankruptcy, lifting the possession order, and preserving the equity the borrower would have lost to a forced sale.

An experienced investor defaulted on an extended bridging facility secured against a fully tenanted 12-unit portfolio and was served a 14-day repossession notice. Aura Capital arranged a £650,000 rebridge with no valuation required — underwriting completed within 24 hours, legal process expedited, repossession prevented.

A developer needed late-stage capital to complete second fix on a 21-unit commercial-to-residential conversion in Manchester — with a £3.9M GDV, an unencumbered asset, and planning already secured. Multiple lenders had declined due to build stage and the absence of a build warranty. Aura Capital provided £325,000 with no valuation required and a pragmatic retrospective warranty solution.