Auction finance

Get an 'in-principle' decision on the same day from a team you can rely on.

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We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.

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Having more than 10 years of auction finance experience means that we have the know-how to help where other lenders often can’t. We pride ourselves on taking a common sense approach to every auction finance application, putting people at the heart of our decision-making, not computers.

What types of property can auction finance be used for?

From short-term bridging loans, right through to buy-to-let mortgages, auction finance loans can be an extremely versatile option for residential, semi-commercial and commercial properties, including land.

Here at Together, it’s our inclusive approach to lending that sets us apart. We consider a wide range of property types, such as non-standard constructions. This allows us to offer loans where other high street lenders may not be able to. So whether you’re a homeowner, investor, business owner or self-employed, you can apply for our auction finance.

Short-term auction finance bridging loans

If you’re successful with your auction bid, things move quickly. You’ll need to pay 10% deposit on the day and the full balance of the property within 28 days. Understandably, covering the full balance in less than a month is a big ask for most buyers. This is where short-term bridging finance comes in, helping to ‘bridge’ the gap until a longer term, buy-to-let or commercial loan can be secured.

Our auction finance lending options are designed to offer flexibility as well as speed and efficiency, helping buyers to bid with confidence and complete the process quickly. Our short-term auction finance bridging loans can usually be arranged in a matter of days.

Find out more about our bridging loans and calculator ❯

Buy-to-let mortgages for auction properties

Are you looking to raise funds to rent out a property bought at auction? Maybe you have a current property you want to rent out? Whichever it is, we’ve got a broad range of finance products to suit your requirements when buying-to-let.

Find out more about our Buy-to-let mortgages ❯

Commercial auction mortgages

If you’re looking to purchase a property at auction for long term commercial use, we can help.

If you’re in business, and are looking to expand your commercial property or invest in a new building, you’re probably considering a wide range of properties, looking for the best deals and opportunities. You might be looking into unconventional buildings or land to cut costs, or maybe you’ve got other considerations affecting your business choice. We understand this, we know how business works and that a lot of the time, things aren’t always straightforward. That’s why we’ll consider offering commercial finance on properties and land where other lenders might not.

We offer first and second charge commercial mortgages for a wide range of businesses, from the well-established to the start-up (with at least 12 months trading).

We think it makes sense to look beyond factors such as age, income source and credit profile, to better understand the customer behind the application. This common sense approach means that we have the flexibility to offer finance where other lenders wouldn’t. If you can afford it, then we can help to find a solution that suits your needs.

Find out more about our commercial mortgages ❯

Is auction finance for you?

To find out more about the types of auction finance services we offer, get in touch today and speak to one of our experts, or if you're still researching, we've got lots of information on preparing for auction.