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Four routing guides, one for each kind of deal. Pick the one that matches what you are buying.
Each guide ranks lenders by their fit for that use case rather than by headline LTV, because the lender that suits a tenanted warehouse is rarely the one that suits a fire-damaged terrace on a 14-day deadline. A lower-ranked lender is often the better choice for a particular asset — every guide says where.
Best auction finance lenders
The UK's guide to fast, reliable auction finance for 7–28 day deadlines.
10 lenders ranked · leading: Aspen Bridging, MT Finance, Glenhawk
Open the guideBest commercial bridging finance lenders
The UK's commercial asset-fit compass for choosing a lender by property, borrower and exit.
10 lenders ranked · leading: MS Lending Group, Shawbrook Bank, United Trust Bank
Open the guideBest heavy refurbishment finance lenders
Who funds structural works, conversions and part-complete schemes — and how the money is released.
11 lenders ranked · leading: Avamore Capital, Hope Capital, Aspen Bridging
Open the guideBest complex-case bridging lenders
Who lends when the borrower, the title, the asset or the ownership structure is not straightforward.
10 lenders ranked · leading: Together, Octane Capital, KSEYE
Open the guideNot sure which guide you need?
Start from the deadline
If you have won a lot and the clock is running, read auction finance first. Speed is the constraint that decides the rest.
Start from the asset
A shop, warehouse or mixed-use building points to commercial bridging; structural works or a conversion point to heavy refurbishment.
Start from the obstacle
Adverse credit, an offshore company, a defective title or a derelict building means complex cases — the lenders there underwrite the story, not a score.
Or compare behaviour directly
The Speed Index, Appetite Matrix and Risk Flags score all 52 lenders on the same scale.
Compare topics — Frequently asked questions
Which lender is best for auction finance?
Aspen Bridging, MT Finance, MS Lending Group, Glenhawk and Hope Capital rank highest on the Speed Index for auction-led timelines.
Can auction finance complete in 7 days?
Yes. Aspen Bridging and MT Finance can complete in 7–14 days with a prepared borrower, a clean legal pack and a solicitor who is ready.
Which lender is best for commercial auction lots?
MS Lending Group, Shawbrook Bank and InterBay Commercial.
Which lender is best for heavy refurb auction lots?
Hope Capital, Avamore Capital and Roma Finance.
Which lender is best for complex auction stock?
Together, Octane Capital and InterBay Commercial.
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Not sure which lender fits your lot?
Auction360 routes the case for you — matching the property, the legal pack and your exit to a lender that will actually complete.
Get Funded Book a Discovery CallThese ratings are Auction360's market assessment, built from published lender criteria, market case studies, broker-reported timelines, solicitor feedback and valuation panel behaviour. They are not a lending decision, a recommendation or a guarantee of approval. Criteria, pricing and availability change, so confirm the current position with the lender or your broker before submitting a case. Your property may be repossessed if you do not keep up payments on a mortgage or any other debt secured on it.