Property Finance

Auction Finance

Bid with confidence: pre-approved finance before auction day so you never miss an opportunity.

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Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose Auction Finance?

Turn a tight 28-day deadline into a competitive advantage with pre-arranged funding.

Pre-Approved Before Auction

Secure your finance before you bid, and walk into the auction room with a decision in principle already in place.

Stronger Buying Position

Pre-approved funding signals credibility, allowing you to bid with conviction and compete against cash buyers.

Fast Completion (28-Day Deadlines)

Our lender network is built for speed, and we regularly complete within the strict 28-day auction deadline.

LTV Up to 60%

Auction finance is available up to 60% loan-to-value, with higher LTV available via associated refurbishment lending.

Refinance, Refurbish or Sell on Completion

Whether you plan to hold, improve, or flip the property, we structure the finance around your exit strategy.

No Valuation Required

Many of our auction finance lenders can proceed without a formal valuation, further accelerating the process.

Our Finance Process

Our Process

A clear, guided journey from first enquiry to funds in your account.

Initial Enquiry & Quick Assessment

Tell us about the lot you're targeting and your exit strategy. We'll confirm the funding feasibility before auction day.

Detailed Consultation & Documentation

We prepare your lender submission in advance, so that once the hammer falls, we can move immediately.

Tailored Finance Proposal

We present pre-auction terms from specialist lenders, giving you a clear picture of costs and conditions.

Lender Approval & Legal Process

Post-auction, we activate the lender decision and coordinate solicitors to meet the 28-day completion deadline.

Funds Released

Funds are released to your solicitor in time for legal completion, often within 10–14 working days of instruction.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Short and medium-term working capital for your next deal.

Asset Refinance

Release equity from existing assets to support expansion.

Vehicle Finance

Fund operational vehicles for construction and property teams.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

Read Case Study

Frequently Asked Questions

Pre-approved auction finance means securing a lending decision in principle before you attend the auction, based on the type of property you intend to bid on. This gives you confidence before bidding and dramatically speeds up the post-auction process, making it far more likely you'll complete within the 28-day deadline.

When you win a lot at auction, you typically exchange contracts on the day and must complete within 28 days. Auction finance (usually a short-term bridging loan) bridges the gap between winning at auction and your longer-term plan, whether that's refinancing to a standard mortgage, selling after refurbishment, or another exit.

Most property types qualify, including residential, commercial, semi-commercial, land, and properties requiring refurbishment or in poor condition. Uninhabitable properties, which many standard lenders won't touch, are commonly purchased at auction and are well-suited to bridging finance.

With preparation done before auction day, we can typically confirm terms within 24–48 hours of the hammer falling and work towards legal completion within 10–14 working days. In straightforward cases with pre-prepared documentation, completion within 7–10 working days is achievable.

Auction finance is typically available up to 60% of the purchase price or open market value (whichever is lower). For properties requiring refurbishment, some lenders will consider up to 70–75% of the purchase price alongside development costs, subject to the overall gross development value (GDV).

Yes, most auction finance (bridging loan) products allow early repayment, often without penalty. This is beneficial if you sell or refinance the property faster than anticipated. Some lenders charge a minimum interest period (typically 1–3 months), so it's worth confirming the term at the outset.

Our Lender Panel