Auction mortgages

Find the auction mortgage that’s right for you

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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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Any property used as security may be repossessed if you don’t make the repayments.


When time is of the essence, our common-sense approach to lending can help secure the funding you need.

Buying a property at auction can be an exciting experience. Hold-ups that occur during a traditional offer process don’t exist. You’ll know exactly who you’re up against, how much you need to bid, and whether or not the property is yours instantly.

With the speed of an auction purchase in mind, it’s important to make sure that you’ve secured your funding in time.

Our inclusive, speedy approach to lending means that our auction mortgages can be processed to meet typical 28-day turnaround periods for a broad range of diverse applicants.

Why use us for mortgages for auction property? About our inclusive lending approach

When compared with some other mortgage providers, we offer a flexible, human approach to lending. Rather than using numbers, statistics and algorithms to decide whether or not our customers are eligible for a loan, we treat each case individually.

This means we don’t dismiss those who fall outside of typical lending criteria such as a less-than-perfect credit score or self-employed employment status.

All of this is aimed at making our lending offers as inclusive, equal and fair as possible. At an auction situation, the less hold-ups and hoops you have to jump through in the lending process, the easier the purchase becomes.

Our buy-to-let lending options for auction property

Buying-to-let is a popular reason for purchasing property at an auction, and our mortgage options reflect that.

With quick turnaround times and the aforementioned inclusive approach, we help borrowers get mortgages for their auction-bought houses. Besides standard brick and mortar residential homes, we will also consider:

► Non-standard constructions
► Ex-council houses, flats and maisonettes
► High-rise properties (even above 6 floors)
► Houses in Multiple Occupation (HMO)
► Holiday Lets
► Properties with poor valuations.

If you’re looking to buy an auction property to rent out, find out more here.

Bridging Loans – an alternative lending option for auction purchases

A bridging loan is a dynamic lending solution, and can be very useful as a short-term finance option when looking to purchase a property at auction.

We often provide bridging loans as a short-term lending alternative for buyers in an auction situation.

Find out more information on our auction bridging loans here.

Need a mortgage for an auction property? Speak to our experts

To find out more about the types of mortgages we offer for auction properties, get in touch today and speak to one of our experts. If you’re looking for more general advice on auctions, take a look at our information on preparing for auction.

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