Sourcing UK’s Best
Property Auction Finance
Bridging finance for auctions
Fast track finance – AVM* – 24 hour agreement in principle – Entire UK – 150+ lenders
*AVM: Automated valuation modelling – important for fast turnaround on auction valuations
No broker fees
No broker fees for any bridging finance!
Rate Match Guarantee
We guarantee no other broker can beat us on finance rates.*
Better than published
Better than published deals on bridging finance.
Bridging Maximizer™
Use our unique free Bridging Maximizer™deal negotiation service.
No broker fees
No broker fees for any bridging finance!
Rate Match Guarantee
We guarantee no other broker can beat us on finance rates.*
Better than published
Better than published deals on bridging finance.
Bridging Maximizer™
Use our unique free Bridging Maximizer™deal negotiation service.
*See FAQ below for more information
Use the sliders below and see how much auction bridging finance costs.
Some of our 150+ lenders.
Lender | Max LTV | Min Loan size | Max Loan size | 40% LTV rate | 50% LTV rate | 60% LTV rate | 70% LTV rate | 75% LTV rate | 80% LTV rate | Average |
UTB | 65% | £125,000 | £15m | 0.48% | 0.55% | 0.59% | 0.54% | |||
Octopus | 65% | £150,000 | Unlimited | 0.55% | 0.55% | 0.55% | 0.55% | 0.65% | 0.57% | |
Mint | 75% | £75,000 | £2.5m | 0.40% | 0.50% | 0.60% | 0.70% | 0.73% | 0.59% | |
Funding 365 | 65% | £100,000 | £10m | 0.59% | 0.59% | 0.59% | 0.69% | 0.69% | 0.63% | |
Shawbrook | 75% | £50,000 | £15m | 0.55% | 0.65% | 0.65% | 0.65% | 0.65% | 0.63% | |
Roma | 75% | £75,000 | £3m | 0.60% | 0.60% | 0.60% | 0.70% | 0.75% | 0.65% | |
Aspen | 75% | £150,000 | £10m | 0.64% | 0.64% | 0.64% | 0.64% | 0.69% | 0.65% | |
Hope | 75% | £50,000 | £5m | 0.70% | 0.70% | 0.70% | 0.72% | 0.74% | 0.71% |
Important notice: The above table shows indicative information. This information should not be relied on for borrowing decisions. Errors and omissions excepted. For these calculations we assume:
- The borrower is a UK citizen, employed with an income of £50,000 and buying through a limited company.
- For ‘property value’, we assume borrowings are for an existing residential property.
- Borrowers would ‘roll up’ interest costs to the end of the bridging loan.
- Lenders are listed in order of lowest average interest rates across all LTV’s they lend at.
Try our 60 second free Bridging Quick Check™. Instant results. No email needed.
Indicates how easily you could get unregulated bridging finance.
CLCF Bridging Quick Check™ uses a simplified credit rating scoring algorithm, factoring in loan to value, creditworthiness and other variables. By answering questions, you get representational feedback on how likely you are to obtain bridging finance.
If you experiment with different loan to value ratios or other scenarios, the CLCF Bridging Quick Check™ will give you different scores. As a guide for score results:
- 0: Difficult to get bridging finance.
- 1-15: Deals will be available.
- 16-40: Deals will be available, but not always on the best terms.
- 41-70: Good deal availability. Reasonable terms.
- 71-100: Excellent deal availability. You can get better than published terms.
Regulated bridging finance. If you are buying a property for either you or your family to live in, or you are securing bridging finance against your home, it becomes a regulated bridging loan. Bridging Quick Check™ is only applicable for non-regulated bridging finance.
For regulated bridging finance, please contact our FCA directly authorised parent company Charles Louis mortgage advisers. Visit: Charleslouis.co.uk | Call: 0161 959 0166 | Email:
It’s a free deal negotiation service where we match the right borrowers with the right lenders to negotiate best rates and/or deal structures.
Banks have tranches of money with stipulations around how the money is to be lent. They also have different specialisations. Some lenders prefer financing developments whilst others prefer financing auction purchases.
If we can match the right borrower with the right lender, we can generally give the borrower a better than published deal.
Lenders will publish rates based on a typical risk and return profile they are prepared to accept when lending money.
We can present lenders with a ‘perfect’ borrower and lending proposition that matches their optimal lending criteria. If these lenders want your business enough, they will make a ‘better than published’ deal offer to you.
The key to ‘better than published’ deals is matching you up with the right lender, then negotiating hard on your behalf.
Many commercial finance advisers charge a ‘broker fee’ along with a ‘product fee’.
A broker fee is a discretionary charge which some finance brokers try to charge you for their advisory services.
A product fee is the money a lender will pay to the finance broker in return for helping to ‘package’ bridging finance applications before being sent to the lender. If someone goes direct to a lender, the product fee is still charged. So it makes no difference whether a borrower goes direct to a lender or not. The fees and rates will be the same.
We DO NOT charge a broker fee for any bridging finance. Reiterating: we charge £0.00 . Broker fees for bridging finance.
If another commercial finance adviser can get you bridging finance with better rates than us, we will discount our product fee by 75%.
Or if you have already placed bridging finance through us. And a competing adviser has got better rates than us within 14 days of your bridging finance being placed, we will discount our product fee by 75%.
This guarantee assumes:
– The competing commercial finance adviser is using the exact same finance application as we are
– You have quotes from the same lender as we have chosen
– You have legally verifiable proof to show the other adviser has a better bridging finance interest rates than us
If you used a broker who charged a broker advisory fee, then it would be cheaper for you to go direct to a lender. We DO NOT charge an advisory fee. To be clear: we charge £0.00 advisory fee. We do receive a ‘product fee’ usually around 2% of the total sum borrowed. If you went direct to the lender. They would not give you a 2% ‘product fee discount’. In other words, you would get the finance for the same cost as going through us.
In return for the ‘product fee’ from lenders, we help you find the best lender who will offer the best rates and best overall deal.
Then we help ‘package’ your application so it gets processed quickly and efficiently.
We always tell you about every cost which may arise when taking a bridging loan. These costs can include lender arrangement fees and exit fees. We will always itemise the costs for you so you can compare the overall cost of finance.
Auction Bridging FAQ
It’s a free deal negotiation service where we match the right borrowers with the right lenders to negotiate best rates and/or deal structures.
Banks have tranches of money with stipulations around how the money is to be lent. They also have different specialisations. Some lenders prefer financing developments whilst others prefer financing auction purchases.
If we can match the right borrower with the right lender, we can generally give the borrower a better than published deal.
Lenders will publish rates based on a typical risk and return profile they are prepared to accept when lending money.
We can present lenders with a ‘perfect’ borrower and lending proposition that matches their optimal lending criteria. If these lenders want your business enough, they will make a ‘better than published’ deal offer to you.
The key to ‘better than published’ deals is matching you up with the right lender, then negotiating hard on your behalf.
Many commercial finance advisers charge a ‘broker fee’ along with a ‘product fee’.
A broker fee is a discretionary charge which some finance brokers try to charge you for their advisory services.
A product fee is the money a lender will pay to the finance broker in return for helping to ‘package’ bridging finance applications before being sent to the lender. If someone goes direct to a lender, the product fee is still charged. So it makes no difference whether a borrower goes direct to a lender or not. The fees and rates will be the same.
We DO NOT charge a broker fee for any bridging finance. Reiterating: we charge £0.00 . Broker fees for bridging finance.
If another commercial finance adviser can get you bridging finance with better rates than us, we will discount our product fee by 75%.
Or if you have already placed bridging finance through us. And a competing adviser has got better rates than us within 14 days of your bridging finance being placed, we will discount our product fee by 75%.
This guarantee assumes:
– The competing commercial finance adviser is using the exact same finance application as we are
– You have quotes from the same lender as we have chosen
– You have legally verifiable proof to show the other adviser has a better bridging finance interest rates than us
If you used a broker who charged a broker advisory fee, then it would be cheaper for you to go direct to a lender. We DO NOT charge an advisory fee. To be clear: we charge £0.00 advisory fee. We do receive a ‘product fee’ usually around 2% of the total sum borrowed. If you went direct to the lender. They would not give you a 2% ‘product fee discount’. In other words, you would get the finance for the same cost as going through us.
In return for the ‘product fee’ from lenders, we help you find the best lender who will offer the best rates and best overall deal.
Then we help ‘package’ your application so it gets processed quickly and efficiently.
We always tell you about every cost which may arise when taking a bridging loan. These costs can include lender arrangement fees and exit fees. We will always itemise the costs for you so you can compare the overall cost of finance.
Contact CLCF for the best auction finance deals in the UK!
MD CLCF
Maximise your finance deal today.
Located in central Ramsbottom
30 mins from central Manchester
