Auction Finance
Auction purchases typically require completion within 28 days. Auction finance is structured specifically around that deadline.
We recommend arranging terms before you bid, not after. We assess the legal pack, confirm what a lender will accept, and put an agreement in principle in place so the 28-day clock is manageable.
Why Auction Finance Requires the Right Lender
What we arrange
- Facilities arranged ahead of the auction date
- Funding against residential, commercial and mixed-use lots
- Cover for properties considered unmortgageable by high-street lenders
- Terms structured around a refurbishment or refinance exit
Who this is for
- Investors buying at auction who need certainty before bidding
- Buyers of properties requiring works before they can be mortgaged
- Developers acquiring sites at auction
How London FS helps
We recommend arranging terms before you bid, not after. We assess the legal pack, confirm what a lender will accept, and put an agreement in principle in place so the 28-day clock is manageable.
Important information
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

Terms Agreed Before You Bid
We arrange an agreement in principle ahead of the auction so your deposit is protected.

Legal Pack Reviewed Early
We flag issues in the pack that would stall a lender before you commit to bidding.

Lending on Difficult Stock
Properties failing standard mortgage criteria are routine for our auction lenders.
Why Auction Finance with London FS?
Auction Finance requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
We recommend arranging terms before you bid, not after. We assess the legal pack, confirm what a lender will accept, and put an agreement in principle in place so the 28-day clock is manageable.

Built for the 28-Day Clock
Every step is sequenced around the completion deadline rather than a standard timeline.

Refurbishment Costs Considered
Where works are needed, we structure the facility to cover them.

Exit Mapped to Your Strategy
Whether refinance or resale, the exit is agreed before the facility is drawn.
Who Benefits from Auction Finance
Auction Investors
Buyers of Unmortgageable Property
Developers Acquiring Sites
I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.
What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.
If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!
I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.
What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.
Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing
Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required
Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.
Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.
Thanks Amar for great help!
Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.
What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.
Would highly recommend LFS to anyone. Thank you to the entire team.
I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!
Bid With Funding Already Secured
Auction purchases typically require completion within 28 days. Auction finance is structured specifically around that deadline.
Related Bridging/Development Finance Services
Our Bridging/Development Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.
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Frequently Asked Questions on Auction Finance
Should I arrange finance before bidding?
Yes. Bidding without terms in place risks losing your deposit if funding cannot be arranged within the completion window.
Can you fund properties without a kitchen or bathroom?
Frequently, yes. Properties that fail standard mortgage criteria are routine for bridging lenders.
What deposit is needed?
Typically 25–30% of value, though this varies by lot type, condition and your exit strategy.
What happens if I win but funding falls through?
You would typically forfeit your 10% deposit and may face further liability, which is precisely why terms should be in place before bidding.
Can you fund modern method of auction purchases?
Yes, though completion timescales differ from traditional auction and we structure the facility accordingly.
Is a survey possible before the auction?
Yes, and we strongly recommend it. Lenders will also require their own valuation after the hammer falls.
Can multiple lots be funded together?
Yes. Where you are bidding on several lots we can arrange a facility structured across them.
What if the lot is leasehold with a short lease?
Short leases restrict lender choice significantly but do not rule out funding. We identify which lenders will proceed.
How much deposit is needed on the day?
Auction houses typically require 10% immediately, which must come from your own funds rather than the facility.
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Every facility we arrange within Specialist Finance.
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