Auction Finance

Auction purchases typically require completion within 28 days. Auction finance is structured specifically around that deadline.

Auction Finance

Terms in place before the gavel falls, not after

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.

We Structure

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.

Clock

Terms Agreed Before You Bid

We arrange an agreement in principle ahead of the auction so your deposit is protected.

Key person

Legal Pack Reviewed Early

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

Clipboard list

Lending on Difficult Stock

Properties failing standard mortgage criteria are routine for our auction lenders.

Why Choose Us

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.

Timeline

Built for the 28-Day Clock

Every step is sequenced around the completion deadline rather than a standard timeline.

Clock

Refurbishment Costs Considered

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

Target

Exit Mapped to Your Strategy

Whether refinance or resale, the exit is agreed before the facility is drawn.

Our Clients

Who Benefits from Auction Finance

Auction Investors

Buyers of Unmortgageable Property

Developers Acquiring Sites

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Bid With Funding Already Secured

Auction purchases typically require completion within 28 days. Auction finance is structured specifically around that deadline.

Our Services

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.

News & Blogs

Latest Financial News & Blogs

FAQ

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.

Frequently, yes. Properties that fail standard mortgage criteria are routine for bridging lenders.

Typically 25–30% of value, though this varies by lot type, condition and your exit strategy.

You would typically forfeit your 10% deposit and may face further liability, which is precisely why terms should be in place before bidding.

Yes, though completion timescales differ from traditional auction and we structure the facility accordingly.

Yes, and we strongly recommend it. Lenders will also require their own valuation after the hammer falls.

Yes. Where you are bidding on several lots we can arrange a facility structured across them.

Short leases restrict lender choice significantly but do not rule out funding. We identify which lenders will proceed.

Auction houses typically require 10% immediately, which must come from your own funds rather than the facility.