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Auction Finance

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Auction Finance

Fast, Flexible Funding for Property Purchases

Buying property at auction? You’ll need funding that moves as quickly as the gavel. Auction finance—also known as a short-term bridging loan—allows you to secure fast access to funds so you can complete your property purchase within strict auction deadlines, typically 28 days.

At Alphakey Mortgages, we offer whole-of-market access to auction finance solutions for residential, buy-to-let, and commercial properties. Whether you’re a seasoned investor or a first-time buyer at auction, our expert advisers will work quickly to arrange the right funding—helping you avoid delays and penalties.

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Auction Finance FAQs

What is auction finance?

Auction finance is a short-term loan that enables buyers to purchase property at auction. It’s typically arranged faster than traditional mortgages to meet the 28-day completion timeframe.

Can I get auction finance if I have poor credit?

Yes. Many lenders focus on the strength of the property deal rather than your credit score. We’ll help find lenders open to adverse credit or unique financial circumstances.

What types of property can I buy with auction finance?

You can use auction finance to purchase residential, commercial, mixed-use, land, or uninhabitable properties—especially those not suitable for standard mortgages.

How quickly can auction finance be arranged?

In some cases, funding can be secured in as little as 5–10 working days. We work quickly to line up lenders and legal partners to meet tight deadlines.

What happens after the auction purchase?

You can refinance onto a long-term mortgage, sell the property for profit, or use it for rental income. We can help with the exit strategy and longer-term lending too.

Benefits of Auction Finance

Secure property fast

Auction finance gives you fast access to capital, helping you complete within 28 days and avoid losing your deposit or the property.

Flexible lending criteria

Available for a wide range of property types, including uninhabitable homes, commercial units, and refurbishment projects.

Perfect for Developers and Investors

Ideal if you’re planning to refurbish, convert, or sell the property after purchase—or refinance once improvements are complete.

Support for all buyer types

We help first-time buyers, landlords, developers, and companies secure auction finance with tailored solutions and fast decision-making.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.