Fast Auction Finance
Fast flexible finance solutions for UK property
Market leading finance rates
Residential & commercial property
Finance for purchase & refurb up to 85% LTV
Award Winning Service
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Property finance solutions for UK developers
Fast, flexible finance
Our success stories
Through our market knowledge, we can deliver enhanced, bespoke or exclusive terms based on your requirements.
Capital raised
£1.5m
Loan For Property Renovations On £6m Hampshire New Build
Our clients initially came to us seeking a bridge loan to help complete renovations on their new build property in Hampshire – this property was valued already at £6M, and with renovations taken into account, the GDV (Gross Development Value) was sitting at £9.25M. If they could continue to fund the renovations through a bridge loan, then they would be able to finish the property on time.
We prioritised resolving this case and securing finance as quickly as possible and often responded out of hours to ensure the clients were up to speed and in the loop.
Capital raised
£140k
Bridging Loan to Fund Simultaneous Property Developments
Bridging loans can provide crucial flexibility for property developers managing multiple projects, especially when traditional mortgage options are unavailable due to incomplete constructions.
Capital raised
€1.5M
€1.5M Bridging Loan to Refurbish Luxury Spanish Villa
We were approached by a company that owned two contemporary villas in sunny Marbella, Spain.
One was ready to go on the market, and the other was being refurbished before our clients sold it.
Our clients wanted to raise finance quickly to:
- pay off the mortgage on one of the properties
- and refurbish the other before selling (making sure they achieved the maximum value from the sale)
Our team searched the market for lenders that would be able to accommodate a case like this. We used a funder with clients across Europe, and we were able to secure an offer for the loan amount they needed while keeping a competitive rate.
Be one of our success stories
Frequently asked questions
We're happy to answer any questions or queries you might have when it comes to your enquiry. Here are some that our other clients found useful.
How to Find Auction Finance?
Although many people buying property at auction are making cash purchases, it is increasingly common for buyers to use auction finance to pay the balance of the selling price. It is not usually possible to secure a traditional mortgage fast enough to meet the deadline for finishing an auction purchase, which is why bridging loans are so popular for auction purchases.
A bridging loan allows you to quickly borrow a large amount of money, secured against a property, so you can complete your auction purchase. You then have time to apply for a more traditional mortgage, which you can use to repay the bridging loan. Bridging loans can also be helpful if the property needs significant renovations before it qualifies for a standard mortgage.
Can I Get a Mortgage on an Auction Property?
Yes, you can get a mortgage on an auction property, but in many cases, it can be difficult to arrange one in time.
If you need to arrange finance on an auction property quickly, one common route is to use a bridging loan to secure an auction property and refinance it to an auction property.
Bridging loans have simpler application processes and a faster turnaround time. The average completion time for a bridging loan is less than four weeks, and the criteria are typically less stringent.
How Much Can I Borrow to Refurbish an Auction Property?
Why Clifton Private Finance?
We are award-winning independent mortgage brokers, who specialise in smoothing the complexity of the mortgage process at every turn.
As an independent brokerage, we work for you, not the lender. Our advisers focus on listening to your unique scenario and providing you with the best finance solution for you today, and for your future.
We can help you:
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Understand what kind of mortgage you're eligible for and how much you can borrow.
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Feel comfortable with how the process works and what the costs will be.
On your behalf, we will:
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Compare rates across the entire market (from private lenders to high street banks)
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Negotiate the best deal for your circumstances
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Guide you through the application process
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Help you arrange your valuation(s)
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Liaise with your solicitor to sort the paperwork
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Chase through your application your new home is secured.
Christine T
Property Developer
This is the second time in 18 months I’ve used Clifton Private Finance for bridging finance. They are very good at pushing things over the line, being clear about terms and finding good deals. They know the whole bridging finance market like the back of their hands. No doubt I’ll go back and use them again for the next one.
