Auction Finance

We are the long-standing, preferred finance partners of some of the UK’s leading Auction Houses, funding property purchases at auction across the whole of the UK.

More Info Below

We are the long-standing, preferred finance partners of some of the UK’s leading Auction Houses, funding property purchases at auction across the whole of the UK.

We understand the challenges of buying property at auction. To bid with confidence at auction, you need one thing above all else: peace of mind that the necessary funds will be available on time. We provide pre-agreed Decisions in Principle before and during auction.

We can also arrange funding after auction. With typically 4 weeks to complete post auction date, we regularly fund transactions whilst long-term funding is arranged or properties refurbished, and take a pragmatic and flexible approach to find you a solution.

With a demonstrable track record in funding auction purchases for over 12 years, we are appointed preferred finance supplier to some of the UK's largest auction house networks.

We assist multiple auction houses nationally with funding of sales and providing buyers with confidence to bid.

Funding for auctions needs to happen quickly, but that doesn’t mean you should rush into choosing a lender. It makes sense to compare different loan providers and ensure you are comparing “like for like”terms. The headline interest rate does not give you the full story. If you’re not sure where to start, have a look at these simple questions….

What are the costs?

  • What are the arrangement fees and monthly interest rates? Check if interest is calculated daily or monthly.
  • Are there any upfront commitment fees? Are there any exit fees?
  • What are the minimum and maximum periods of the loan? What happens if you go over the maximum term of the loan – are you charged more fees and does the interest rate change? Some loans are for as little as 3 months with ‘teaser’ interest rates to draw you in……..
  • What are the legal fees and valuation fees? If a lender is offering “free legal” and “free valuation”, check if they are not just being replaced with insurance premium fees that can often be more expensive and you lose the benefit of an independent RICS survey of the property you are purchasing.
  • Are there any hidden charges and what’s the overall cost?

 How much can I borrow?

  • What Loan to Value (LTV) is being offered? Find out if the loan to value is based on with or without fees included. 
  • Are there minimum loan sizes?
  • Is the Loan to Value (LTV) based on Open Market Value, 180 Day or 90 Day Value?
  • What is the Net Amount you will receive?

Speed and service?  

  • How quickly can you expect to receive funds?
  • Does the lender have restrictions on property type and condition of the property?
  • Does the lender have a long track record of delivering on full and in time?
  • Is the lender regulated by the Financial Conduct Authority, giving you the comfort of ‘Treating Customers Fairly’ regulations?
  • Can you pick up the phone and speak to a person who can make decisions? Personal, friendly Service comes as standard at BFS.  

We encourage you to compare us with other lenders and if you have any queries, get in touch and we’ll be happy to help. 

Make it happen

Please contact us and speak to one of our experienced and friendly team to discuss your specific circumstances.

Lending Criteria

Interest rate

From 0.75% pcm

Minimum loan


Maximum loan


Maximum loan to value

70% OMV

Loan term

1 day to 24 months

Upfront fee


Product fee


Exit fee


Expiry fee


Redemption fee


Hidden costs


We are a principal lender which means that we work with our own money and do not need to consult any third parties before completing a transaction.

We have years’ of experience and a proven track record in funding schemes from £25k to £2m. This is why we can make you an offer within hours – and draw funds in days, not weeks.

BFS is regulated by the Financial Conduct Authority (FCA) which demonstrates our reputation as a responsible lender.

auction finance

Want to apply for auction finance today?

With BFS to support them, buyers can bid with confidence at auction. Our dedicated team work tirelessly with you and your solicitor to ensure there are funds in place in plenty of time.

Got questions? speak to our team

call us on
0151 639 7554
or start online
Apply Now