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Auction finance from 0.49%.

Supporting auction buyers for more
than 15 years.

  • Lasts up to 12 months.
  • Borrow up to £2m.*
  • Arranged within 28-day completion deadlines.
  • Apply as an individual or business.
  • Borrow up to 75%* of the property's purchase price.
* The maximum loan and loan-to-value ratio offered may vary depending on the property and your individual circumstances.
  4.7/5 average rating by independent customer feedback

In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7099.
If you’re buying property at auction, it’s important to secure the funds you need so you can complete before your deadline. 

Residential property

  • Rates from 0.49%/month.
  • Loans £26,000 - £500,000 (more by referral).
  • Up to 75% loan-to-value.
  • Arrangement fee: 2% (min. £800).
  • No legal fees.

 

Commercial property

  • Rates from 0.85%/month.
  • Loans £26,000 - £500,000 (more by referral).
  • Up to 70% loan-to-value.
  • Arrangement fee: 2% (min. £995).
  • Legal fees: From £600+VAT.

 

Semi-commercial property

  • Rates from 0.85%/month.
  • Loans £26,000 - £500,000 (more by referral).
  • Up to 70% loan-to-value.
  • Arrangement fee: 2% (min. £995).
  • Legal fees: From £600+VAT.

 

Land

  • Rates from 1.25%/month.
  • Loans £26,000 - £500,000 (more by referral).
  • Up to 50% loan-to-value (more by referral).
  • Arrangement fee: 2% (min. £995).
  • Legal fees: From £600+VAT.

 

How does it work?

Our Auction finance is designed for investment properties of all kinds – including a wide range of residential, semi-commercial, and commercial properties.

We'll work quickly to provide the loan you need within your 28-day completion deadline, and any fees can be rolled into what you've borrowed.

You'll have up to 12 months to repay the loan in a lump sum – either by arranging longer-term finance, or by selling the property on. And until that happens, you'll only make interest payments each month.

If you're buying a house at auction to live in yourself, we can also help with this – and you won't make any monthly payments while it's in force.

Can you get a mortgage on an auction property?

Often you can, but you have to complete your auction purchase within 28 days (at most) – and that's sooner than most mortgages can be arranged. It's why Auction finance exists – to bridge the gap between your completion deadline, and your mortgage being granted.

Depending on the property you buy, you may need a Personal mortgage (if you're buying a home to live in); a Buy to Let mortgage (if you're buying a house to rent out); or a Commercial mortgage (if you're buying a business premises or land).

We offer all of these, and often help people refinance their auction purchases with the longer-term borrowing they need.

How much deposit will I need to put down?

At most, we can lend you 75% of your purchase's value. So you will need at least 25% as equity. You'll have to pay 10% of the purchase price at the auction itself, either by credit or debit card.

The maximum loan-to-value we can offer may be reduced based on the property you're buying, and your credit history.

Use our auction finance calculator to see if we can lend you what you need to borrow.

What fees will I have to pay?

At the auction itself, you may have to pay an administration charge to the auction house, and something called a 'buyer's premium'. All of this should be outlined in the auction catalogue so you know before you bid.

In terms of our 12-month auction finance, we charge an Arrangement Fee, and – depending on the loan you take – you may have to pay an Exit Fee if you repay the loan before the end of the term.

We charge a Redemption Administration Fee when you 'redeem' (i.e. full repay) your loan, to cover costs associated with closing your account and dispensing our legal claim to your property.

There may also be Legal fees, although we charge no Legal fees in many instances where you're buying residential property at auction.

All of these fees can vary, so we'll ensure that the fees that apply to your particular loan are clearly explained before you sign on the dotted line.

Other fees and charges may be applied to your account during the life of your loan, in relation to the management of your account (for instance, if you fall behind on your monthly payments). These are all explained in our Tariff of Charges.


Any property used as security, including your home, may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.

Build: 1.3.7.20756