Auction Finance

Name: Credco
Address: Suite 13, Regus, Admirals Park, Victory Way, Dartford, Dartford, Kent, DA2 6QD, GB
Telephone: 0204 628 0990

Fast, flexible funding for confident bidding.

Pre-auction agreements arranged in days

Residential, commercial and mixed-use coverage

Bridge-to-term routes for refurbishment purchases

or call 0204 628 0990

THE APPROACH

Match the finance to the asset before you raise the paddle.

Auction can be quite intense, with only 28 days to wrap things up and a 10% deposit due when the hammer falls. There's no second shot if the financing doesn't work out. Remember, in 2026, the winners at auction won't necessarily be those bidding the highest; they'll be the ones who have already aligned their finance plans with the asset before they even raise their paddle.

That work matters more than ever. The auction market has shifted, with mixed-use now nearly half of commercial auction lots and residential volumes pushing record highs. Mixed-use is not financed like residential or pure commercial, and a finance plan built for one will look thin against the other. Matching the lender to the actual asset is the difference between a bid that completes and one that loses the deposit.

We arrange pre-auction agreements quickly, line up backup routes and structure the case so the lender can move on the day. Whether you are picking up stock to refurbish and refinance, or buying commercial for hold, we will help you bid with confidence and complete on time.

SEND US AN ENQUIRY

We will come back quickly, usually the same day. If you would prefer to speak to us now, please call 0204 628 0990.

WHAT SETS US APART

Four things that change the outcome.

The differences that decide whether a case completes or quietly stalls in committee.

01Pre-auction approvalsIndicative terms in writing before you bid, so you know exactly what you are working with.

02Funding in daysCases structured to complete within auction timelines, not standard mortgage timelines.

03Residential and commercialSingle-let, HMO, mixed-use, pure commercial. The asset dictates the lender; we will find the right one.

04Bridge-to-term routesBridge first, refurbish, refinance onto a term loan. Whole journey structured from day one.

WHAT WE HELP WITH

Cases we look at every week.

01Pre-auction approvals

02Urgent completions

03Deposit shortfalls

04Renovation or change-of-use purchases

05Bridge-to-term finance

06Non-standard construction or titles

07Purchases via limited companies or SPVs

TAKE THE NEXT STEPGet expert guidance before your next auction.

Sehbaaz, strategic partnerships at Credco

WHY CREDCO

“Mixed-use isn't financed like residential, and it isn't financed like commercial. The buyers winning at auction right now aren't the ones bidding the highest. They are the ones who matched the finance to the actual asset before they raised the paddle.”

Sehbaaz, Head of Investments & Strategic Partnerships, Credco

MEET THE TEAM →

FREQUENT QUESTIONS

The questions we get asked most.

If yours is not here, ask us directly. We will give you a straight answer, including when the answer is no.

What is auction finance?Short-term finance arranged to fund the purchase of property bought at auction. The 28-day completion clock means it is almost always bridging or short-term lending rather than a standard mortgage.

Can I arrange finance before the auction?Yes, and we strongly recommend it. Indicative terms in writing before you bid, plus a backup route, mean you can bid with confidence and complete on time.

How fast can auction finance complete?Well-structured cases can complete in days. Five-day completions are achievable with the right lender and a borrower who has the supporting documentation ready.

What types of property can I buy at auction with this finance?Residential, commercial, mixed-use, with or without planning, standard or non-standard construction. The asset shapes the lender, not the other way round.

What happens if I do not complete in 28 days?You usually lose your deposit and may face additional costs. This is why finance should be lined up before you bid, not after, and why a backup route matters.

A SELECTION OF THE LENDERS WE WORK WITH

Ready to take the next step?

Tell us about the lot and the timeline. We will line up the finance so you can bid with confidence.