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Get matched with UK lenders in minutes.","isNoindex":false,"seo":{"type":"application/ld+json","contents":{"contents":"<script type=\"application/ld+json\">\n{\n  \"@context\": \"https://schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/auction-finance/#breadcrumb\",\n      \"itemListElement\": [\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 1,\n          \"name\": \"Home\",\n          \"item\": \"https://www.fundingoptions.com/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 2,\n          \"name\": \"Knowledge\",\n          \"item\": \"https://www.fundingoptions.com/knowledge/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 3,\n          \"name\": \"Auction Finance\",\n          \"item\": \"https://www.fundingoptions.com/knowledge/auction-finance/\"\n        }\n      ]\n    },\n    {\n      \"@type\": \"Article\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/auction-finance/#article\",\n      \"mainEntityOfPage\": \"https://www.fundingoptions.com/knowledge/auction-finance/\",\n      \"headline\": \"Auction finance for UK properties\",\n      \"description\": \"Learn how auction finance works and compare options for funding a property auction purchase. Get matched with UK lenders in minutes.\",\n      \"dateModified\": \"2025-11-01\",\n      \"author\": [\n        {\n          \"@type\": \"Person\",\n          \"name\": \"Joe Morley\",\n          \"url\": \"https://www.fundingoptions.com/author/joe-morley/\"\n        },\n        {\n          \"@type\": \"Person\",\n          \"name\": \"Vivek Seda\",\n          \"url\": \"https://www.fundingoptions.com/author/vivek-seda/\"\n        }\n      ],\n      \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Funding Options by Tide\",\n        \"url\": \"https://www.fundingoptions.com/\",\n        \"logo\": {\n          \"@type\": \"ImageObject\",\n          \"url\": \"https://www.fundingoptions.com/static/img/logo.png\"\n        }\n      }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can I apply for auction finance with bad credit?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes. Because auction finance is secured against property, it’s often available to borrowers with imperfect credit. Lenders may focus more on the asset value and your exit plan.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can I use auction finance to refurbish a property?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Absolutely. Bridging loans and auction finance can include funds for refurbishment, especially if your exit strategy involves refinancing or selling.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Do I need a deposit for auction finance?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes. Most lenders require a deposit — usually 25% of the purchase price, though some may offer higher loan-to-value options if your case is strong.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How long does auction finance take to arrange?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Pre-approval can be done in advance, and funds can often be released within 5–14 working days after a successful auction bid.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Is auction finance regulated?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"If the property is for residential use and the borrower is an individual, it may be regulated by the FCA. Commercial auction loans are typically unregulated.\"\n          }\n        }\n      ]\n    },\n    {\n      \"@type\": \"AggregateRating\",\n      \"itemReviewed\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Funding Options by Tide\",\n        \"url\": \"https://www.fundingoptions.com/\"\n      },\n      \"ratingValue\": \"4.8\",\n      \"reviewCount\": \"1323\",\n      \"bestRating\": \"5\",\n      \"worstRating\": \"1\"\n    }\n  ]\n}\n</script>\n"}},"hero":{"title":"Auction finance for property purchases in the UK","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"If you’re looking to purchase a property at auction in the UK, it’s crucial to have funds in place swiftly. Auction finance—sometimes called auction bridging finance—can provide the fast, short-term funding you need to secure a property the moment the gavel falls.  \",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Last updated: November 2025, edited by \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/author/joe-morley/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Joe Morley\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\", reviewed by\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/author/vivek-seda/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\" Vivek 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access to funds when buying at auction","description":null,"accordionItem":[{"id":"7e5e72d4-4177-58fb-96fd-993a5fd8d613","label":"What is auction finance?","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Auction finance is a type of\",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/short-term-business-loans/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\" short-term funding\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" used to purchase properties at auction. Unlike a traditional mortgage, auction finance is designed to release funds quickly — often within 14 to 28 days — so buyers can meet tight auction deadlines.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"This funding is typically secured against the auction property itself and can be structured as \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/bridging-loans/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"bridging finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" or a specialist auction loan. It’s a popular option for property developers, investors, and small businesses buying commercial or residential property at auction.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"id":"d4f5a204-621a-594c-8884-7d647a92a965","label":"Why auction properties need fast financing","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Auction properties often come with a strict 28-day completion deadline once the hammer falls. That’s not enough time to arrange a standard mortgage, which can take 6 to 8 weeks or longer. That’s why specialist \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"auction finance\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" or \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"bridging loans for auction properties\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" are essential — they ensure buyers don’t lose their deposit or the property.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"f7f053e3-e5f1-54dc-b0f2-9a6fdfe6450a","label":"How does auction finance work?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"ordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Pre-approval:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Secure an agreement in principle (AIP) before auction day.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Bid with confidence:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Know your budget and terms in advance.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Win the property:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" After a successful bid, you usually pay a 10% deposit.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Loan finalisation:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Submit documents to the lender immediately after the auction.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Completion:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Funds are typically released within 14–28 days to meet auction terms.\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"You’ll repay the loan either through refinancing with a long-term \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/commercial-mortgage/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"commercial mortgage\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\", or from the proceeds of a property sale.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"7e5e72d4-4177-58fb-96fd-993a5fd8d613"},{"id":"d4f5a204-621a-594c-8884-7d647a92a965"},{"id":"f7f053e3-e5f1-54dc-b0f2-9a6fdfe6450a"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"id":"8aef6582-669c-5098-8981-bf6afec1e07b","sys":{"contentType":{"sys":{"id":"templatesV2SectionListOfExpandedItems"}}},"title":"Types of auction finance","items":[{"icon":"Wallet","title":"Bridging loan ","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"A \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/bridging-loans/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"bridging loan\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" bridges the gap between funding needs. Let’s say you want to buy a company premises today, but won’t sell your current company property for another 6 months, as you’d like some time between the move to ensure your team properly settle into their new offices. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"icon":"House and coins","title":"Buy-to-let mortgage","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Designed for rental properties—commercial or residential. The lender focuses on projected rental income to gauge affordability. 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APR)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Arrangement fees:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Usually 1% to 2% of the loan value\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Exit fees:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" May apply when repaying or refinancing\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Valuation & legal fees:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Paid upfront or deducted from the loan\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Auction finance calculator:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Speak to our experts for tailored costs\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"For example:\\n Borrowing £200,000 for 6 months at 1% monthly interest would cost £12,000 in interest, plus arrangement fees.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"82bf1397-b0b9-58a4-9dda-3c4e56b8fe78"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Can you get a mortgage for auction properties?","accordion":{"accordionItem":[{"id":"7cca7596-148a-5bcf-9b83-b92b37f2212a","label":"Standard mortgages are difficult to use for auction 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you?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"You might consider auction finance if:\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"You’re bidding at auction and need guaranteed funds within 28 days\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"You’re a property investor or developer\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"You want to refinance after improving or letting the 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Because auction finance is secured against property, it’s often available to borrowers with imperfect credit. Lenders may focus more on the asset value and your exit plan.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"7778c38a-3258-5024-a0b1-fad61216e1ff","label":"Can I use auction finance to refurbish a property?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Absolutely. Bridging loans and auction finance can include funds for refurbishment, especially if your exit strategy involves refinancing or selling.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"e5eba52b-e3ec-5bbe-89bc-8a5243bf9d8b","label":"Do I need a deposit for auction finance?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes. Most lenders require a deposit — usually 25% of the purchase price, though some may offer higher loan-to-value options if your case is strong.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"52cf26c4-5b06-5e3f-991d-090a0b36c31e","label":"How long does auction finance take to arrange?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Pre-approval can be done in advance, and funds can often be released within 5–14 working days after a successful auction bid.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"4382f1dc-b4c1-574b-907b-a70e9c6e0a0f","label":"Is auction finance regulated?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"If the property is for residential use and the borrower is an individual, it may be regulated by the FCA. Commercial auction loans are typically unregulated.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"4382f1dc-b4c1-574b-907b-a70e9c6e0a0f"},{"id":"52cf26c4-5b06-5e3f-991d-090a0b36c31e"},{"id":"e5eba52b-e3ec-5bbe-89bc-8a5243bf9d8b"},{"id":"7778c38a-3258-5024-a0b1-fad61216e1ff"},{"id":"276a04ac-bd00-5594-9bb4-7e173ee75dba"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionDisclaimer"}}},"disclaimer":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]}]}"}}],"author":{"name":"Vivek Seda","jobTitle":"Business Finance Manager","slug":"vivek-seda","shortBio":{"shortBio":"Vivek is the Asset Based Lending Manager at Funding Options by Tide. Vivek has been in the industry for over 10 years, working for both lenders and brokers. 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