Pre-Auction Finance
Funding from £75,000 up to £25 million
Helping you secure a short-term financial solution to your specific pre-auction finance requirements
Pre-Auction Finance
A personal approach to fast turnaround pre-auction finance. Our partnership with Bridging Finance Capital in the UK provides the ability to work with and service a wide and diverse range of clients, assisting them to secure the necessary pre-auction finance for their next property project, business venture or to plug a short-term financial gap quickly and efficiently.
Pre-auction finance in the UK is a specialist funding solution designed to help buyers secure a property before it reaches the auction room. It provides fast access to capital, enabling investors, developers, or homebuyers to negotiate directly with sellers and complete the purchase quickly, often at a discounted price. By buying before auction, purchasers can avoid competitive bidding wars and the pressure of strict auction timelines.
This type of finance is particularly useful when a property is unlikely to qualify for a traditional mortgage due to its condition or when speed is essential. Pre-auction finance is typically structured as a short-term bridging loan, with funds released rapidly — sometimes within a matter of days. This allows the buyer to act decisively and secure opportunities that might otherwise be missed.
Lenders usually require a clear exit strategy, such as refinancing with a standard mortgage once renovations are complete or selling the property for profit. While interest rates and fees are higher than conventional borrowing, the flexibility and speed of pre-auction finance can outweigh the costs.
For experienced investors or first-time buyers, pre-auction finance is a powerful tool for accessing off-market deals and creating value in the competitive UK property market, where timing and agility are key.
Types of UK Pre-Auction Finance Clients
Homeowners
Commercial & Residential Landlords
Buy to Let Investors
Business Owners
Property Developers
Company CEO’s
Pre-Auction Finance Explained
Pre-Auction finance is a service provided by specialist lenders to auction buyers.
We work with specialist partner Bridging Finance Capital who provide access to a leading pool of funders.
Pre-auction funding is the route that assists you in securing your property in the shortest period of time. Professional assistance to secure your finance for your chosen property through a leading panel of funders. In plenty of time for auction day!
How can pre-auction finance help?
Buying property at auction can be an exciting and nerve-wracking experience. Once the gavel goes down and your bid is successful, you are committed to buying the property.
If your offer to purchase your chosen property is accepted on auction day, you will have 28 days to complete your purchase. Therfore, by aranging pre-auction funding for your chosen property in advance of the auction you can save valuable time in completing the transaction and property acquisition.
Where there is a pressing need for speed of completion and possibly income streams have declined during Covid-19, tailored quick turnaround pre-auction finance can meet financial objectives and overcome apparent immovable financial obstacles!