Pre-Approved Auction Finance
Secure pre-approved auction finance before auction day, giving property investors fast access to funding so they can bid confidently and complete quickly on auction property purchases.
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Pre-Approved Auction Finance Explained...
Our pre-approved auction finance solution provides investors with the confidence to bid at auction knowing their funding is already in place. Designed for commercial property purchases, this short-term bridging facility allows buyers to access funds quickly and complete on auction purchases without delays.
Whether you're acquiring an investment asset, redevelopment opportunity, or commercial premises, our experienced team can structure flexible funding to support your strategy.
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Approved for your success
What are the advantages of Pre-Approved Auction Finance?
“Pre-approved auction finance gives buyers the certainty they need before auction day. Having funding agreed in advance allows investors to bid with confidence, move quickly when opportunities arise, and complete without the delays that can often follow a successful bid.”
Ashley Elkin (MRICS) - Senior Property Finance Broker
1. Bid with Confidence
Having finance approved before the auction allows buyers to bid knowing their funding is already in place.
3. Stronger Buying Position
Knowing funding is secured allows investors to bid decisively and compete more effectively for auction properties.
2. Faster Completion
Pre-approved finance enables buyers to complete quickly and meet the strict deadlines required after a successful auction bid.
4. Greater Investment Flexibility
Short-term auction finance provides time to refinance, refurbish, or sell the property after purchase.
How we can help you
What can Pre-Approved Auction Finance be used for?
Discover the opportunities your business can unlock with the right commercial property finance.
Application Process
Get Approved, Get Going!
Discover our streamlined process for securing tailored property financial solutions. We keep our property finance options transparent, with no hidden fees or unpleasant surprises. This is property finance made easy. Our no-obligation application won't impact your credit score.
Initial Enquiry & Quick Assessment
Tell us about your property finance needs - whether it’s a commercial mortgage, bridging loan, or development finance. We’ll carry out a quick eligibility check and let you know your options.
Detailed Consultation & Documentation
A dedicated property finance specialist will discuss your project, review financials, property details, and gather the required documents (valuations, accounts, tenancy agreements, or development plans).
Tailored Finance Proposal
We’ll source the most competitive terms from our panel of lenders, tailored to your project. You’ll receive a clear, no-obligation proposal outlining rates, terms, and conditions.
Lender Approval & Legal Process
Once you’re happy with the proposal, we’ll guide you through lender approval, valuations, and legal due diligence.
Funds Released
Upon completion, funds are released directly - whether to purchase your property, refinance, or fund your development project.
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FAQ
Your most common questions answered...
Got questions? We've got the answers... See below the our most commonly asked questions! If you still need help then be sure to get in contact and we'll be happy to help.
What is a pre-approved auction finance?
Pre-approved auction finance is a form of short-term property funding that is arranged before an auction takes place, allowing investors to bid with confidence knowing their finance is already in place and ready for completion if they successfully secure the property.
How does pre-approved auction finance work?
Before the auction, a lender reviews the property details and borrower information to confirm available funding. If the buyer successfully wins the auction, the finance can then be quickly finalised and released to ensure completion within the typical auction deadline of around 28 days.
What types of properties can auction finance be used for?
Pre-approved auction finance can be used to purchase a wide range of commercial property types, including offices, retail units, industrial buildings, mixed-use properties, and investment assets purchased at auction.
How quickly can auction finance be arranged?
Pre-approved auction finance can often be arranged within a matter of days, allowing investors to secure funding ahead of an upcoming auction and move quickly once the hammer falls.
What loan-to-value is available for auction finance?
Loan-to-value (LTV) typically goes up to 60% of the purchase price for commercial auction properties, although higher leverage may be available in certain circumstances subject to additional due diligence.
Do I need a property valuation for auction finance?
In some cases, a separate valuation may not be required for auction finance, particularly where the purchase price has been established through a competitive auction process.
Can auction finance be repaid early?
Yes. Auction bridging finance is designed as a short-term solution and can typically be repaid early if the property is refinanced or sold, with interest often calculated on a daily basis.
What happens after purchasing a property at auction?
Once the auction is won, buyers must usually pay a deposit immediately and complete the purchase within a short timeframe. Pre-approved auction finance ensures the remaining funds are ready to complete the transaction.
Who is auction finance suitable for?
Auction finance is commonly used by property investors, developers, and portfolio landlords who need fast and flexible funding to secure property opportunities at auction.
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Highly Competitive Rates
Borrow between £10K - £10 Million
Fast Application Process
No effect on your credit score
Thomas Brogan
Property Finance Broker
Approved Business Finance Ltd is an independent asset finance brokerage and a credit broker, not a lender. We work with a panel of lenders to find suitable finance options for your needs. If you enter into an agreement with a lender, typically we will receive commission for introducing you to them. We are committed to delivering high standards of service and handling any concerns promptly. Approved Business Finance Ltd is authorised and regulated by the Financial Conduct Authority, FRN 1020031. ICO Registration Number: ZB424677. Registered in England and Wales (Company No. 11914104). Registered office: Seebeck House, Seebeck Place, Milton Keynes, MK5 8FR.
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