Auction finance.
- Rates from 0.79% per month
- Completions in as little as 24 hours
- No lender legal fees
- Desktop valuations
Lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.
Auction finance that acts fast
Auction finance requires expertise, speed and flexibility, especially when you only have 28 days to complete your auction purchase.
For over 15 years, our specialist team has supported auction buyers looking to purchase a wide range of properties, including ex-council, high rise and other non standard buildings. We also apply common sense to our lending so we can be more flexible on income and credit status, instead of just looking at your credit score.
Our loans are available to individuals and limited companies, and can be secured against a range of residential and commercial properties. Additionally, you can choose between shorter term bridging loans and longer term finance options, including residential, commercial and Buy to Let mortgages.
Automated valuations can be accepted, using data from a range of existing databases to automatically calculate a value for the property that the loan will be secured against , greatly reducing the timescales and costs required.
Ready to talk to us?
Buying under the hammer?
Our auction finance can be used to purchase a wide range of property:
• Residential investments, including HMOs and multi-lets.
• Semi-commercial property.
• Commercial property (as an investment or owner-occupied).
• Land.
We've seen all sorts of properties appear in the catalogue over the years, and have an open mind about the circumstances when we’re happy to lend. So even if it’s ex-council, high-rise, or you’ve been told it's 'unmortgageable', we may be able to offer an auction finance solution to help.
We’re property auction finance experts
We attend dozens of property auctions every year. In fact, there's a good chance you'll see us on the floor on auction day.
If you're not a regular auction-goer, rest assured. We recognise that lots of people are interested in buying at auction these days… not just investors.
Our common-sense approach to property auction finance means we can often lend when others struggle to. Including if you’re self-employed, are making your first investment purchase, or have less-than-perfect credit.
Proud partners of The Great House Giveaway
We're proud to bring you Channel 4's new property show, The Great House Giveaway. This innovative new programme gives people struggling to get a foothold the property ladder the chance to earn a deposit.
Contestants are given a budget to buy at auction, then renovate the property before selling it on – keeping any profit they make for themselves.
Refinancing your auction purchase
Once you've bought at auction, you'll have up to 12 months to repay your Auction finance. You can do this by selling the property on, or by refinancing with longer-term borrowing.
Which we may be able to help with. Talk to us about:
• Buy to Let mortgages – if you're buying a residential investment property.
• Commercial mortgages – if you're buying a semi-commercial or commercial property, or land.
• Personal mortgages – if you're buying a home to live in yourself.
Ready to bid for success?
You could achieve success at auction with our top tips videos and guidance from our experienced auction finance team.
So if you’re investing at auction and keen to learn more, visit our new auction education hub and bid with confidence.
Explore more
All mortgages are subject to our terms and conditions.
Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.