Auction Finance
Million Plus Private Finance provides bespoke auction bridging finance for high-net-worth clients and investors. We structure short-term loans to secure property at auction, offering speed, flexibility, and discretion. Our team works with specialist short-term lenders to deliver funding solutions tailored to complex financial profiles and auction timelines, including short exchange and completion windows.
Why Choose Million Plus Private Finance For Auction Financing?
Auction finance requires rapid access to capital and expert structuring. Million Plus Private Finance arranges bespoke short-term loans for property investors and high-net-worth clients. Most auction finance is structured as regulated or unregulated bridging, depending on property use. We structure lending to present complex financial profiles, multi-property holdings, and international assets to specialist short-term and bridging lenders. Interest-only and hybrid repayment options provide liquidity while preserving capital. Clients benefit from discretion, market-appropriate rates, and fast access to funds. Whether purchasing property at auction or refinancing an existing portfolio, Million Plus ensures lending solutions are tailored to client objectives and auction timelines.
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Million Plus Private Finance specialises in auction finance for high-net-worth clients and investors. We structure bespoke short-term loans to enable property purchases at auction or refinance existing portfolios.
Loans are tailored to present multi-property holdings, complex income streams, and international assets to specialist short-term and bridging lenders. Flexible repayment structures, including interest-only and hybrid options, are commonly available to support liquidity while preserving capital. Our team manages valuations, lender communication, and legal documentation to ensure a smooth, confidential process. Clients benefit from market-appropriate rates, discretion, and lending solutions aligned with fast-paced auction timelines and broader investment objectives.
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Mortgage Closings
Auction finance demands rapid access to capital, careful structuring, and trusted lender relationships. Million Plus Private Finance considers all aspects of a client’s portfolio, including multiple properties, international holdings, and complex income.
We structure loans for auction purchases, bridging existing loans, or refinancing high-value properties. Interest-only and hybrid repayment options allow cashflow optimisation while preserving capital. Multi-property or multi-asset lending facilities can be combined to maximise borrowing potential. Exit strategies typically include refinance, sale, or longer-term portfolio funding.
Million Plus manages valuations, lender submissions, and legal documentation for a seamless, confidential process. By monitoring market conditions, lender appetite, and auction deadlines, we secure market-appropriate terms and bespoke repayment structures. Clients receive personalised guidance, discretion, and access to lenders experienced in auction finance. Every loan solution aligns with a broader investment strategy, whether for liquidity, portfolio growth, or high-value acquisitions.
frequently asked questions
Mortgage Questions Answered
What is auction finance?
Auction finance is a form of short-term property lending designed to enable buyers to complete property purchases at auction within strict timeframes. It is typically structured as bridging finance and used to secure residential, commercial, or mixed-use properties when traditional mortgage timescales are not viable.
What is property auction finance?
Property auction finance is a type of short-term lending used to purchase property at auction where fast completion is required. It is commonly structured as bridging finance and allows buyers to meet auction deadlines while arranging longer-term funding or executing an exit strategy.
What is auction bridging finance and how does it work?
Auction bridging finance is a short-term loan designed to fund property purchases at auction. It “bridges” the gap between auction completion and a longer-term solution, such as refinancing or sale. These facilities are arranged through specialist short-term lenders and are tailored to strict auction timelines.
Can I get an auction loan for property purchases?
Yes. An auction loan for property can be arranged to fund residential, commercial, or mixed-use properties bought at auction. Loan terms are typically short-term and depend on factors such as property value, condition, loan-to-value, and the proposed exit strategy.
Is it possible to get a mortgage for an auction property?
A traditional mortgage for an auction property is often not possible within auction timeframes. Instead, buyers usually complete the purchase using auction finance or bridging finance, then refinance onto a longer-term mortgage once the property meets lender criteria and the purchase has completed.
How quickly can auction finance be arranged?
With appropriate preparation, auction finance can often be arranged within days to a few weeks. Timelines depend on valuation speed, legal due diligence, and lender approval, and are structured to align with auction exchange and completion deadlines.
What loan-to-value (LTV) is available for auction finance?
Auction finance is typically available at 60–70% loan-to-value, depending on property type, valuation, location, and exit strategy. Higher leverage may be possible in certain scenarios, subject to lender appetite and supporting assets.
Is auction finance regulated or unregulated?
Regulation depends on how the property will be used. If the property is intended to be owner-occupied, the loan may fall under regulated bridging rules. Investment properties are usually financed on an unregulated basis. Each case is assessed individually.
Can multiple auction properties be included in one facility?
Yes. In some cases, lenders will consider multi-property auction finance, allowing several auction purchases to be funded under a single facility. This depends on portfolio strength, valuations, and the proposed exit strategy.
What types of properties can be funded with auction finance?
Auction finance can be used for residential, commercial, mixed-use, and semi-commercial properties. It is commonly used where properties are unmortgageable in their current condition or require refurbishment before longer-term finance is arranged.
Are interest-only repayment options available?
Yes. Auction finance is commonly structured with interest-only repayments during the loan term, helping to preserve liquidity while the borrower executes their exit strategy, such as refinance or sale.
What exit strategies are acceptable for auction finance?
Typical exit strategies include refinancing onto a longer-term mortgage, selling the property, or consolidating the loan into a wider portfolio facility. Lenders will assess the strength and realism of the proposed exit before approval.
Can auction finance be arranged for international or cross-border clients?
Yes. Auction finance can be structured for international clients, subject to lender criteria. Overseas income, assets, and complex ownership structures can often be considered when presented correctly.
Do I need finance in place before the auction?
While formal loan offers are not always required before bidding, having auction finance structured in advance significantly improves certainty, speed, and negotiating strength. Pre-auction preparation is strongly recommended.
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Finance Without Limits
From property auctions to multi-property portfolios, Million Plus secures bespoke lending solutions beyond high street limits. We provide access to specialist lenders, flexible repayment structures, and tailored financing for high-net-worth clients and investors.
