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Winning at auction is exciting — but for many investors, the real challenge starts the moment the hammer falls.
You’ve got 28 days to complete, a deposit already down, and one big question: can you secure the finance in time?
Here’s how Auction Finance UK helped a real client go from auction win to profitable exit — on time, on budget, and with zero stress.
Our client, James, is a property investor from Sheffield who regularly buys undervalued homes at auction.
At a late-summer auction, he spotted a 2-bedroom terrace in need of renovation — guide price £92,000.
He won the bid at £101,000. The property had no kitchen, minimal heating, and was classed as unmortgageable.
With the auctioneer’s 28-day completion deadline ticking, James needed funding fast.
The property’s condition meant no mainstream lender would touch it.
He needed a lender that:
James contacted Auction Finance UK the morning after the auction.
Within two hours, we issued a Decision in Principle, based on:
Our underwriters pre-approved the case pending valuation and legal review.
We worked directly with James’s solicitor and the valuer to fast-track both — completing the entire process in 9 working days.
James now uses auction finance regularly to secure projects others avoid.
This story proves that the best auction deals go to those prepared before they bid.
If you know your numbers, have your broker ready, and plan your exit, even unmortgageable homes can become profitable projects.
Case Study 1 – 7-Day Completion on a Studio Flat
Investor in Manchester won a small studio flat at auction for £85,000.
With a pre-approved DIP and fast solicitor coordination, Auction Finance UK completed in 7 days.
After repainting and minor works, the investor refinanced and now rents it at £750/month.
Case Study 2 – Developer Portfolio Growth
A Birmingham developer bought two auction properties in one day.
We arranged a dual-asset auction finance facility, allowing both to complete simultaneously.
Combined profit after resale: £78,000.
Case Study 3 – First-Time Investor Wins Big
A first-time buyer used auction finance to purchase a £120,000 fixer-upper.
They refurbished it for £15,000 and refinanced at £175,000, releasing enough equity to fund their next project.
Ans: Yes — with all documents and legal pack ready, some cases complete in 5–10 working days.
Ans: No. Clear planning and a solid exit strategy are often more important than experience.
Ans: Speak to your broker early — many lenders allow extensions or refinancing options.
Ans: It’s short-term, so interest is higher — but flexibility and speed make it ideal for auction timelines.
Ans: Yes — lenders often fund portfolio purchases or multi-property transactions.
(C) 2025 Auction Finance is a trading name of Mortgage Knight Ltd