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Auction finance from 0.49%/month.

Quick decisions when you need them most. That’s common sense.

  • Loans from £26,000 to £2 million.
  • 'No exit fee' options.*
  • Borrow up to 75% of the property's value.*
  • Standard 12-month term.
  • Residential, commercial, semi-commercial and land.
* Other fees and charges apply, and are variable based on the size of the loan. The rate and maximum loan-to-value offered may vary based on your individual circumstances.

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.

Auction finance, fast

Auction finance is short-term borrowing that can help you purchase an investment property at auction. It lasts up to 12 months – giving you time to arrange longer-term borrowing or sell the property on.

We know auctions inside out

And understand that speed is of the essence, because you've got 28 days – at most – to get your finance in place and complete your purchase.

So our Auction finance can be arranged quickly, and you'll only make interest payments each month while making longer-term arrangements.

We'll be on-hand throughout the whole process to make sure everything goes to plan. And with 40 years' experience in property finance under our belts, you can rely on us to get things right.

Need a buy-to-let mortgage?

You could use our Auction finance to complete before your deadline – then refinance your investment with a Together Buy to Let mortgage (for residential property) or Commercial mortgage (for premises, offices, land, and so on).

With competitive rates and our signature common-sense approach, we've helped countless investors arrange the long-term finance they need for their auction purchases.

Our common-sense approach

We empower our underwriters to make pragmatic lending decisions, and it's what sets us apart. Even if, on paper, you might typically struggle to find the mortgage or short-term loan you need, we'll take a look at your application.

So whether you’re a professional landlord or first-time investor, a big-name business or self-employed sole trader, you can apply for our auction finance.

And unlike some lenders, we are happy to lend on many of the properties typically available at auction. Including HMOs; semi-commercial units; ex-council homes; flats in high-rise towers; non-standard construction; and those currently termed 'uninhabitable'.

Get pre-approved and bid with confidence

We can give you an ‘in principle’ decision in the auction room or online. It takes five minutes, and means you can bid safe in the knowledge that funding is available. With decisions made by people, not computer programs, you may find we can help when others can't.

Any property used as security may be repossessed if you don’t make the repayments. Available in England, Scotland and Wales only.

Loans provided by Together Commercial Finance Ltd. are not regulated by the Financial Conduct Authority.