Auction Finance

While auctions offer the prospect of securing a good deal, the competitive nature of bidding can be stressful. We know that you only have a short window of time for purchase and completion. That is why we offer flexible options for financing auction properties.

Whether you are looking to purchase a commercial or residential property, our expert brokers can help you find the right auction finance. This short-term financing solution helps to bridge the gap between completing the purchase and arranging long-term funding. That way, you can bid with confidence and meet deadlines.

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At AptPay, we excel at making short-time finance more accessible for people, regardless of their credit history. We never perform automated credit checks as we do not believe that CCJs or a history of arrears should define your financial future. With strong relationships with the UK’s leading lenders, we can help deliver funds that can be agreed upon before, during or after the auction. Get in touch with our specialist brokers today for a no-obligation chat.

Get A Good Deal In No Time

Applications are assessed on a case-by-case basis
Borrow up to £50,000,000
Fast turnarounds
Loans up to 24 months
LTV up to 75%
Nationwide service
No excessive fees
Rates from 0.65%
Same-day Offer in Principle (OIP)

Meet Short Payment Deadlines In Six Steps

With many years of experience under our belt, we excel at arranging property auction loans. We understand that the process can be overwhelming. That is why we have developed a streamlined process that makes securing a loan much easier and quicker. No matter how tight your deadline is, we can help you fund your auction property. Let our experts take care of the details for you and find the right short-term finance solution.

1. Enquiry

To start the application process, call us on 020 3103 0022 or send an email to info@aptpayment.co.uk. During this stage, we will establish your needs and help you identify the type of loan you will need to purchase a property at auction.

2. Offer In Principle

As we do not carry out credit checks, you can get an offer in principle on the same day. It is at this point that you will be informed of which documents we need from you to underwrite your loan.

3. Third-Party Valuation

As recognised experts in our field, we always arrange a third-party valuation so you can be sure that bridging finance is the right option for you.

4. Confirm The Loan Terms

Once your case has been underwritten, we will confirm the terms of your loan.

5. Send Legal Documents

Once you have accepted the terms of the loan, our team will instruct our solicitors to send the necessary documents to your solicitor.

6. Release Funds

Upon completion, the funds will be released. In some cases, we can release the funds to your solicitor before our solicitors have completed the due diligence process.

When you choose us, there is no need to worry about the progress of your application. We will be by your side every step of the way and keep you informed. It is worth noting that we can complete steps 2 through 5 at the same time if you need to get funding within 48 hours. Speak to our professional brokers today to find out more.

Let's Talk

    
 
 
       Posted on Google  
   
   Saman Hassan 
 6 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
  
 
      Posted on Google  
   
   Anita Kaur 
 26 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
  
 
      Posted on Google  
   
   JJ_n_TY Chitiyo 
 22 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
  
 
      Posted on Google  
   
   Brenda Chikosha 
 25 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
  
 
      Posted on Google  
   
   Caphas Chisangowerota 
 22 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
  
 
      Posted on Google  
   
   MUHAMMAD ZAMAN WARRAICH 
 17 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
  
 
      Posted on Google  
   
   Robin Sharma 
 14 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
  
 
      Posted on Google  
   
   isaac ogundiran 
 10 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
  
 
      Posted on Google  
   
   Rebwar 
 24 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

Are You Looking For A Different Solution?

Auction financing provides you with immediate access to short-term funds. However, we understand that it may not be the right option for you. The good news is that we can do more than just help you find finance for an auction property. No matter what you are looking for, we can help you fulfil your funding needs. Our range of services includes but is not limited to:

Why Choose Us?

Property auctions can move at a near-breakneck pace and therefore it is important to act quickly. Otherwise, you run the risk of missing out on an amazing purchase. We can help level the playing field and provide you with the confidence to place a bid without worrying about whether you can secure the funds in time.

With many years of experience in arranging specialist auction finance, our services are second to none. We always take a human approach to finance. We never leave enquiries in the hands of robots and always ensure that our knowledgeable brokers are on-hand to discuss any concerns you may have.

Get in touch

We Are Here To Help

We are proud to offer a nationwide service. No matter where in the UK you are located, our team of brokers are ready to help you find the right short-term finance option for you.

FAQ

What is auction finance exactly?

In simple terms, auction finance is a type of bridging finance that is designed to fund the purchase of auction property. Generally, loans are based on the value of the property as opposed to the lender’s credit status. This means that it is possible to secure a loan in a matter of days or weeks.

What properties can be bought with an auction property loan?

Generally, loans can be used to purchase:

Residential property, including HMOs
Investment property
Owner-occupied property
Semi-commercial property, such as a retail shop with a residential flat above it
Land

What costs are involved?

The cost of short-term finance is usually higher than more traditional forms of finance. As a general rule, you can expect to pay:

A valuation fee
A monthly interest rate
An arrangement fee
The legal fees for both you and your lender

Is it possible to get a bank loan for an auction property?

While it is possible to get a mortgage agreement from a bank, the criteria can be much stricter. That is why specialist finance is ideal for those who do not meet these criteria or simply need a faster solution.

How do you fund an auction property?

With our bespoke financing solutions, you can get the funding you need within a short time frame. Simply speak to our skilled brokers today to learn more about our services.

What happens if you buy at auction and cannot secure finance?

In such cases, you will be in breach of contract and will likely lose your deposit. On top of this, you may have to pay other costs. That is why it is important to make sure you take all the appropriate steps to reduce any risks. Our experts can take care of all the details for you and help you secure a suitable loan.