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Choosing the right lender

Get to know who you’re dealing with, and how they can help you

Before you borrow to buy at auction, it’s important to know exactly what you’re signing up for.

Auction purchases happen fast, but that doesn’t mean you should rush into choosing a lender. It makes sense to compare different providers,  but if you’re not sure where to start, try asking these questions:

What are the terms of the loan?

‌• Compare arrangement fees and monthly interest rates.

‌• Are there any upfront commitment fees? Are there any exit fees? If so, what are they?

• What are the minimum and maximum periods of the loan (What happens if you go over the maximum?)

• What are the legal fees and valuation fees?

• Are there any hidden charges?

• What’s the overall cost?


How much can you borrow?

What loan to value will they give you? Find out if the loan to value is based on net lending (without fees included) or gross lending (with fees included). Also, are there minimum loan sizes you’d need to commit to?


How much could you end up borrowing?

This is an important one. Remember that some lenders may expect you pay their fees out of your loan advance. All of these fees are included in the loan facility that you’ve agreed.


How quickly will you have your loan?

Speed is everything when you’re buying at auction, so you need to be happy that your funding will be in place when you need it.


What’s the lender’s commitment to you?

Don’t forget, you’re entering into a relationship with your lender, so ask what they can do for you. What help and advice can they give you? How will they support you as a property investor?


Of course, we’re very happy for you to compare us with other lenders. If you have any questions, get in touch and we’ll be happy to help 

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