Property Auction Finance
Complete your auction purchase within the 28-day deadline. Pre-approval, fast completion, and competitive rates from 0.65% per month.
Independent brokerWhole of marketNo obligation
Get Indicative TermsGet indicative terms - free, no obligation
Doulton Money Limited · FCA No. 814533 · No obligation enquiry
What happens next
- Fill in the form. It takes about 2 minutes.
- We'll email you back with any additional questions, then match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your situation and present options.
Bid with confidence. Complete on time.
Property auctions offer some of the best opportunities in the UK market, but they come with a non-negotiable constraint: you must complete within 28 days of the hammer falling. Fail to complete and you lose your 10% deposit and face potential legal action from the seller.
Doulton Bridging Finance specialises in auction finance that works within this tight window. We offer pre-approval before auction day so you can bid with certainty, and our fast-track process means most cases complete within 7 to 14 days. From £25k starter lots to £50m commercial assets, we have the lender relationships to fund your auction purchase.
Auction finance that delivers
28-Day Guarantee
When the hammer falls, you have 28 days to complete. Our auction finance is designed around this deadline, with completions typically achieved within 7 to 14 days.
Pre-Approval Available
Get a decision in principle before auction day so you can bid with confidence. Know your budget and have your finance lined up before you raise your paddle.
All UK Auction Houses
We work with buyers at every major UK auction house including Savills, Allsop, Network Auctions, Barnard Marcus, SDL, and regional auctioneers across the country.
£25k to £50m
From a single residential flat to a multi-million pound commercial lot, we arrange auction finance across the full spectrum of property types and values.
Rates from 0.65% pm
Competitive auction finance rates starting from 0.65% per month. Pricing depends on property type, LTV, and your experience as a buyer.
Online and In-Room
Whether you are bidding in the room, online, or via telephone, our auction finance works the same way. We also cover modern method of auction purchases.
How it works
Pre-Auction Preparation
Send us the auction catalogue lots you are interested in. We provide a decision in principle so you know your maximum bid before the auction starts.
Win Your Lot
Bid with confidence knowing your finance is ready. Once the hammer falls and you pay the deposit (typically 10%), we move immediately to formal application.
Fast-Track Completion
Valuation and legal work are instructed the same day. We coordinate all parties to ensure completion well within the 28-day deadline.
Funds Released
Your solicitor receives the funds to complete the purchase. Most auction finance cases complete within 7 to 14 days, leaving comfortable margin on the deadline.
How Auction Bridging Works
The most effective approach is to arrange a Decision in Principle (DIP) before the auction so you know exactly how much you can borrow. Once you've secured the property, the lender moves to formal offer and legal completion.
- Before auction: speak to us, agree indicative terms, get DIP
- Auction day: bid with confidence knowing finance is lined up
- Days 1–5: formal application submitted, valuation instructed
- Days 6–14: valuation, legal work, offer issued
- Days 14–28: completion - within the contractual deadline
Typical Rates and LTVs for Auction Bridging
| LTV | Rate (pm) | Max Term | Property Type |
|---|---|---|---|
| Up to 70% | 0.65–0.80% | 18 months | Standard residential |
| Up to 75% | 0.75–0.95% | 12 months | Light refurb / mixed use |
| Uninhabitable property | 0.85–1.1% | 12 months | Heavy refurb exit to sale/remort |
Deposit Bridging
In some cases, borrowers have the funds for the 10% auction day deposit but need the bridging loan to cover the remaining 90% on completion. We can also arrange finance against an existing unencumbered property to fund the auction deposit itself, though the combined LTV across all security must remain within lender limits.
Exit Strategy
Common exits for auction purchases include: sale after refurbishment (flip), remortgage to a buy-to-let mortgage, or refinance onto a standard residential mortgage. The stronger and more evidenced your exit, the better the rate you will achieve.
Got an auction coming up?
Get pre-approved before auction day. Send us the lots you are interested in and we will have terms ready before you bid.
Frequently asked questions
What is a bridging loan and when is it used?
A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.
How much can I borrow on a bridging loan?
We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.
How fast can a bridging loan complete?
Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.
What exit strategies do lenders accept?
The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.
What are typical bridging rates and fees?
Rates currently start from around 0.55% per month for prime residential cases and rise based on risk, LTV, and property type. Most London deals price between 0.65% and 1.0% per month. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.
Explore related pages
Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.
Auction Finance Rates 2026
Current rates, the full fee breakdown and a worked cost example. Updated November 2026.
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