Auction Finance
Auction Finance is a short-term funding solution designed to help buyers complete auction purchases quickly. Unlike traditional mortgages, auction finance is built for speed, flexibility, and properties that may be unmortgageable at the point of purchase.
Auction Finance Services
Auction Finance
Auction Finance is the core product designed for fast auction purchases. It provides short-term funding to complete within 28 days, with flexible terms for investors, developers, and SPVs.
Read more ›Auction Bridging Loans
Auction Bridging Loans are specialist bridging products tailored for auction conditions. They support unmortgageable properties, refurbishment projects, and fast completions.
Read more ›Pre-Auction Approval
Pre-Auction Approval gives you confidence before bidding. We assess your profile, the property type, and your exit strategy so you know exactly what you can bid.
Read more ›Legal Pack Review
Auction360 reviews your legal pack to identify risks that may affect lending or resale.
Read more ›Auction Risk Analysis
Auction360’s Auction Risk Score evaluates the property’s risk level based on:
Read more ›Auction Day Funding
Emergency funding for buyers who need to complete quickly or have unexpected issues.
Read more ›Investor Auction Finance
Tailored auction finance for investors using BRRR, flip, or portfolio strategies.
Read more ›SPV Auction Finance
Auction finance structured specifically for SPVs and limited companies.
Read more ›Auction Finance is a short-term funding solution designed to help buyers complete auction purchases quickly. Unlike traditional mortgages, auction finance is built for speed, flexibility, and properties that may be unmortgageable at the point of purchase.
Auction360 provides auction buyers with:
- Fast approvals (same-day decisions)
- Funding within 7–14 days
- Support for unmortgageable properties
- Specialist underwriting for auction conditions
- Risk analysis and legal pack review
Whether you’re an investor, developer, or first-time auction buyer, Auction360 ensures you complete on time — without stress.
Why Auction360
Auction360 is engineered specifically for auction buyers. Our platform combines finance, risk analysis, and auction expertise into one seamless process.
Why clients choose us:
- Auction-specialist underwriting
- 7–14 day completion capability
- Legal pack review included
- Auction Risk Score for every property
- Investor-friendly terms
- SPV-ready finance
- Dedicated auction case manager
- Full lender packaging and solicitor coordination
Auction360 is not a general broker — we are a specialist auction finance platform.
How Bridging Works for Auctions
Auction purchases require fast completion. Bridging finance is the only product designed for this environment.
How it works:
- You win the auction (or prepare pre-auction).
- We secure bridging finance within 7–14 days.
- You complete within the 28-day auction deadline.
- You refurbish, refinance, or sell as your exit strategy.
Why bridging is ideal for auctions:
- Works for unmortgageable properties
- Allows refurbishment before refinance
- Flexible for SPVs and limited companies
- Fast underwriting
- No long-term commitment
Bridging is the backbone of auction finance — and Auction360 is built around it.
Fast Completion
Auction360 specialises in rapid completions, engineered for auction deadlines.
Typical timeline:
- Day 1: Pre-approval + valuation instructed
- Day 2–5: Underwriting + legal pack review
- Day 7–10: Offer issued
- Day 10–14: Completion
We also support 48-hour emergency funding for buyers who are close to missing their deadline.
Eligibility & Criteria
Auction finance is flexible, but lenders still require basic criteria.
You are eligible if:
- You are buying a UK auction property
- You have a clear exit strategy (refinance or sale)
- You are an investor, developer, or SPV
- You can provide ID, proof of funds, and basic documents
- The property has a viable resale or refinance value
We support:
- First-time auction buyers
- Experienced investors
- SPVs and limited companies
- Portfolio landlords
- Developers
Process
Auction360’s process is designed for speed and clarity.
Step-by-step:
- Pre-Approval Quick assessment before bidding or immediately after winning.
- Legal Pack Review We analyse risks, restrictions, covenants, and lender-impacting issues.
- Auction Risk Score Every property receives a risk rating to guide your decision.
- Valuation & Underwriting Fast-track valuation and auction-specialist underwriting.
- Offer Issued Terms provided within days.
- Completion Funds released within 7–14 days.
- Exit Strategy Support Refinance or sale planning.
Case Studies
Case Study 1 — London Auction Purchase
- Purchase Price: £310,000
- Completion: 9 days
- Exit: Refinance to BTL
- Outcome: Investor secured £65,000 uplift after refurbishment.
Case Study 2 — Unmortgageable Auction Property
- Issue: No kitchen, no bathroom
- Solution: Bridging finance + refurb
- Completion: 12 days
- Outcome: Refinanced at £140,000 higher valuation.
Case Study 3 — SPV Auction Purchase
- Structure: SPV with two directors
- Completion: 10 days
- Outcome: Bridge-to-let refinance within 6 months.
Frequently Asked Questions
What is Auction Finance and how does it work?
Auction Finance is a short-term loan designed to help buyers complete auction purchases within strict deadlines (usually 28 days). It works by providing fast bridging finance so you can complete quickly, refurbish if needed, and then refinance or sell as your exit strategy.
How fast can Auction360 arrange auction finance?
Auction360 specialises in rapid completions. Most cases complete within 7–14 days, and urgent cases can be funded in 48 hours. Our process is engineered specifically for auction timelines.
Can I get finance for an unmortgageable auction property?
Yes. Auction360 regularly funds properties that are unmortgageable due to condition issues such as missing kitchens, bathrooms, structural defects, or legal complications. Bridging finance is designed for these scenarios.
Do I need pre-approval before bidding at an auction?
Pre-approval is not mandatory, but it is strongly recommended. Auction360 provides Pre-Auction Approval so you know exactly what you can bid and complete faster if you win.
What documents do I need for auction finance?
You typically need:
- ID and proof of address
- Bank statements
- Proof of deposit
- Basic income or asset information
- SPV documents (if applicable)
- Auction legal pack
Auction360 handles lender packaging for you.
Can I use an SPV or limited company for auction finance?
Yes. SPV Auction Finance is one of our core services. SPVs often receive faster underwriting and cleaner separation from personal assets.
What types of auction properties can be funded?
Auction360 funds:
- Residential properties
- Commercial properties
- Mixed-use properties
- Land
- Unmortgageable properties
- Properties needing refurbishment
- Tenanted or vacant units
- Short-lease properties (case-by-case)
What is the Auction360 Risk Score?
Auction360’s Risk Score is a proprietary assessment that evaluates the legal pack, valuation, market demand, and exit strategy viability. It helps investors make safer decisions and avoid high-risk purchases.
What happens if I cannot complete within 28 days?
If you are at risk of missing the deadline, Auction360 can provide Auction Day Funding or 48-hour emergency bridging to protect your deposit and complete on time.
What exit strategies are acceptable for auction finance?
Common exit strategies include:
- Refinance to a buy-to-let mortgage
- Refinance to a commercial mortgage
- Sale after refurbishment
- Portfolio refinance
- Development exit finance
Auction360 helps you plan your exit from day one.
Can first-time auction buyers get finance?
Yes. Auction360 supports first-time buyers as long as the exit strategy is viable and the property meets lending criteria.
Do you offer support with legal packs?
Yes. Legal Pack Review is included as part of our service. We identify risks, restrictions, covenants, and lender-impacting issues before you commit.
How much deposit do I need for auction finance?
Most lenders require 25%–30% deposit, but this varies depending on the property, condition, and exit strategy.
Can I finance multiple auction purchases at once?
Yes. Investors and SPVs can finance multiple properties simultaneously, subject to underwriting and risk assessment.
Do you work with all UK auction houses?
Yes. Auction360 works with major auctioneers like:
- Allsop
- Barnard Marcus
- iamsold
- Clive Emson
- Savills
- Auction House
- SDL
- And all regional auction houses
Ready to move forward?
Speak to an Auction360 specialist about auction finance and get indicative terms.
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