Auction finance for intermediaries

Get in touch

Auction coming up? Get the finance sorted. 

Call us on 0161 817 7480

Email us at enquiries@romafinance.co.uk

Send us your enquiry via this contact us form

Hands up if you're ready for a faster, more flexible approach to auction finance.

 At Roma we understand that the property auction route is all about getting a good deal and completing it quickly. The rewards can be high, but so is the risk. Making it work demands decisive bidding and fast-moving lending. It’s your clients under the hammer if they can’t bid confidently, and meet those short payment deadlines.  

 We can provide an AIP in advance of an auction so your client has certainty and a ceiling price giving them the chance to bid confidently.  We can consider a variety of property types, constructions, credit profiles, income and offer both first and second charge bridging loans, making us a lender less ordinary. 

  • Rates from 0.75% 
  • LTV up to 70% 
  • Loans from £75,000 to £3 million 
  • Manual underwriting – every case considered individually 
  • Talk directly to the underwriter for quick decisions and completions 
  • We lend across England, Scotland and Wales

Got a question?

Auction finance is simply another term for bridging or short term finance. It is used to purchase properties at auction because it can be arranged extremely quickly and fits neatly into the purchasing timescales of the auction houses. Usually properties at auction are required to complete with 28 days.

Typically any kind of residential, semi commercial or commercial property can be bought at auction. The properties do not necessarily need to be habitable to be eligible for auction finance.

Got a question not answered here? Get in touch

Six steps from enquiry
to completion

  • Over many years of arranging bridging finance, the Roma team has refined the process to make it hassle-free and responsive. Above all to make it quick, because property deadlines are tight deadlines. 

    It takes lending less ordinary to fast-track cases, twin-track the legals and the underwriting… do whatever it takes to drive the sale forward. 

  • Yet no matter how rapidly we’re working, we always meet the borrower, take the trouble to understand what makes each case different, and keep everyone informed at every stage.

    Need to complete within 48 hours? We can run stages 2 – 5 simultaneously, and may even release funds to our solicitor before the due diligence process has been completed. 

  • initial_enquiry

    1. Initial enquiry

    Call us on 0161 817 7480, email or complete the enquiry form and your loan is on its way.

  • agreement_principle

    2. Agreement in principle

    The AIP accelerates the process by telling you exactly which documents we need before we can underwrite your loan, also providing Open Banking instructions.

  • valuation

    3. Valuation and borrower meeting

    We’ll get a third party valuation arranged ASAP, and we never lend until we’ve met the borrower and understood the case.

  • confirm_terms

    4. Confirm terms

    After we’ve met the borrower and underwritten the case, we will confirm the loan terms.

  • instruct_solicitors

    5. Instruct solicitors

    Once terms are accepted, we will instruct our solicitor to send legal papers required for completion to your solicitor.

  • completion

    6. Completion

    Funds are released and we might also release funds to your solicitor before the due diligence process has been completed.

Just a few of our recent successes

Lending less ordinary. Because every application is different.

At Roma Finance we understand that every property transaction is unique. That’s why we put flexibility at the forefront of everything we do. Tell us what kind of finance you need and we’ll find a way to make it happen.

  • Fast: streamlined legal process for quick completions
  • Flexible: lending for a wide range of property types
  • Simple: we stick to our decisions
  • Trusted: we value integrity, and partners keep coming back
Check out our latest podcast An insight into the sector from Roma and our partners.
Listen now
  • Our intermediary team
    is ready when you are

    Simply select your region and you’ll meet the vastly experienced experts whose job it is to make your job easier.

    • North of England & Scotland
    • North West & North Wales
    • South West & South Wales
    • Midlands
    • South East
    Get in touch
We’re the professional’s professionals
Read enough? Let's talk. Call 0161 817 7480, to see how we could support you and your business, alternatively you can email us.
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