Our Services
Specialist auction finance solutions designed for property investors, developers and BRRR professionals who need speed, flexibility and certainty.
Auction Finance for BRRR Investors: Secure, Scale and Succeed
Hello there 👋
If you are a property investor, you know that the Buy, Refurbish, Rent, Refinance (BRRR) strategy is one of the fastest ways to scale a property portfolio.
It allows you to recycle your capital from one project into another, helping you grow faster than traditional investing.
However, there is one major problem.
When the perfect distressed property appears at auction, you don't have months to wait for a traditional mortgage. You have just 28 days.
That's where Auction360 comes in.
We provide specialist auction finance that helps you secure the property, complete your refurbishment, refinance and move onto the next project.
Why BRRR Investors Love the Auction Room
- Skip the property chain and avoid lengthy negotiations.
- Buy distressed assets that traditional buyers cannot finance.
- Scale your portfolio faster with rapid completion.
- Access higher yielding investment opportunities.
Traditional lenders struggle with poor condition properties and strict auction deadlines.
Auction360 specialises in these exact situations.
We provide flexible finance that helps investors secure opportunities other buyers simply cannot access.
How Auction360 Supports Your BRRR Strategy
1. Speed That Matches The Gavel
When the hammer falls, the clock starts.
Our team works with investors before auction day, providing Agreements in Principle so you can bid confidently, knowing your finance is already prepared.
2. Finance For Unmortgageable Properties
Many BRRR properties have no kitchen, no bathroom or significant structural issues.
Traditional lenders reject them instantly.
We focus on the property's future value and your exit strategy, not simply its current condition.
3. Bridging The Gap To Refinance
We structure your bridging loan so you can smoothly refinance onto a Buy-To-Let mortgage after refurbishment, allowing you to recycle your capital into your next project.
How It Works
- Research auction properties and obtain a pre-auction assessment.
- Win the property and pay the auction deposit.
- Auction360 funds the remaining purchase amount.
- Complete your refurbishment works.
- Refinance onto a long-term mortgage and recycle your capital.
Master The Art Of Auction Investing
Want to understand auction investing at a deeper level?
Read Auction Demystified, the complete guide to buying, financing and scaling through auctions.
Frequently Asked Questions
Can I finance properties in poor condition?
Absolutely.
This is exactly what Auction360 specialises in.
We finance properties traditional lenders cannot.
How quickly can finance be arranged?
We work towards standard auction completion deadlines and recommend contacting us before auction day to maximise speed.
What happens after refurbishment?
Most investors refinance onto a Buy-To-Let mortgage, repay the bridging finance and extract their capital for the next investment.
What Loan-To-Value ratios are available?
Typically between 70% and 75%, with higher gearing available where additional security exists.
Secure Your Next Deal With Confidence
The BRRR strategy is one of the most powerful methods of building long-term wealth through property.
Don't let slow finance stop your next acquisition.
Auction360 delivers the speed, experience and flexibility needed to transform distressed auction properties into profitable investments.
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Bridging Finance for Property Refurbishment: Transform and Profit
Hello there! 👋
Are you looking to turn a run-down property into a high-yielding asset? Whether you are a seasoned developer or a first-time auction buyer, the secret to scaling your portfolio isn't just finding the right deal: it’s finding the right finance.
At Auction360, we specialize in helping investors bridge the gap between a derelict shell and a profitable exit. Property refurbishment finance is the engine behind the Buy Refurbish Remortgage (BRR) strategy, allowing you to recycle your capital and move onto your next project faster.
We provide specialist property finance that sees the potential in the "before" and supports you through to the "after."
Turn Potential into Profit
The real money in property is made when you add value. Traditional lenders often avoid properties that require significant work, but we focus on the opportunity instead of the condition.
Light vs. Heavy Refurbishment: Which Path is Yours?
Light Refurbishment
This includes cosmetic upgrades such as new kitchens, bathrooms, rewiring, and redecorating. These projects are quicker, lower risk, and often require no planning permission.
Heavy Refurbishment
Heavy refurbishments involve structural changes such as extensions, layout redesigns, or HMO conversions. These projects require more planning but offer significantly higher value uplift.
How It Works: Your Refurbishment Journey
- Initial Assessment: Provide purchase price, works cost, and projected end value.
- Day-1 Loan: We fund a percentage of the purchase price (typically 65–75% LTV).
- Works Facility: Stage-based funding for refurbishment and construction works.
- Transformation: Complete the refurbishment and increase property value.
- Exit: Sell for profit or refinance onto a long-term mortgage.
Borrowing Against the Future: The Power of GDV
Gross Development Value (GDV) is the projected value of the property after refurbishment is complete.
By lending against GDV instead of current value, investors can unlock higher leverage and complete multiple projects simultaneously.
Why Auction360 for Your Refurbishment Finance?
- Quick Turnaround: Fast funding aligned with auction deadlines.
- Flexible Terms: Solutions for light and heavy refurbishments.
- Expert Guidance: Support from property finance specialists.
We help you move at the speed of opportunity without delays from traditional lenders.
Frequently Asked Questions
What is the difference between light and heavy refurbishment?
Light refurbishment includes cosmetic upgrades, while heavy refurbishment involves structural works and conversions requiring planning approval.
Can I borrow based on GDV?
Yes. Many refurbishment loans are structured against Gross Development Value to maximise leverage.
How quickly can I get funds?
Funds can be arranged within auction timelines, often within 28 days or sooner if documentation is ready.
Do I need experience?
Experience helps, but strong projects with a solid exit strategy can still be funded for first-time investors.
Ready to Scale Your Portfolio?
Property refurbishment is one of the fastest ways to build wealth in real estate when backed by the right finance partner.
Don’t let funding delays stop your next project.
Get Finance
Commercial-to-Residential Conversion Loans: Your Guide to High-Margin Success
Hey there! 👋
If you’ve been keeping an eye on the UK property market lately, you’ll know that some of the biggest opportunities aren't found in traditional residential street-level houses. They are hidden in plain sight: within underused office blocks, vacant high-street shops, and old light-industrial units.
At Auction360, we’re seeing a massive surge in investors moving toward commercial-to-residential conversions. When done correctly, the margins are significantly higher than standard buy-to-let or simple flips.
But there’s a catch. Converting a commercial space into residential units requires specialist finance that traditional banks simply don't offer.
Whether you are buying at auction or through a private treaty, you need a partner who understands commercial bridging loans and property development finance.
In this guide, we’ll walk you through how to unlock these high-margin profits and how the right funding can make or break your next conversion project.
The High-Margin Strategy: Why Commercial-to-Residential?
In property investing, "planning gain" is one of the fastest ways to build wealth. By changing a building from commercial (Class E) to residential (C3), you are effectively creating value out of thin air.
The introduction of Class MA Permitted Development rights has been a game-changer, allowing many conversions without full planning applications, reducing delays and risk.
Why this strategy is winning in 2026:
- Lower Entry Costs: Commercial buildings often have lower price-per-square-foot than residential properties.
- Higher Exit Values: Converted units can significantly exceed purchase and build costs in value.
- High Demand: UK housing demand ensures strong rental and sales markets.
To execute this strategy, speed is critical — especially at auction. That’s where specialist conversion finance becomes essential.
Specialist Finance: The Auction360 Advantage
Traditional lenders often avoid commercial-to-residential conversions due to perceived risk.
At Auction360, we specialize in funding complex conversion projects by focusing on future value, not just current condition.
- Speed: Funding in as little as 28 days for auction deadlines.
- High Leverage: Up to 70–75% LTV on purchase price.
- Works Funding: Stage-based funding for refurbishment and conversion.
- Exit Strategy Planning: Structured exits via sale or refinance.
For deeper insights, investors often refer to Auction Demystified, a guide to navigating auction finance and complex property deals.
How It Works: Your Path to Conversion Success
Step 1: Identification & Due Diligence
Identify a suitable commercial building and assess planning eligibility. We can provide an in-principle decision before you commit.
Step 2: Secure the Finance
Once your offer is accepted, we activate the bridging loan to fund acquisition and structure liquidity for the project.
Step 3: Prior Approval & Construction
After securing the property, obtain prior approval and begin staged construction funding for conversion works.
Step 4: Completion & Exit
Once complete, you can either sell the units for profit or refinance into a long-term investment mortgage.
Frequently Asked Questions
Do I need planning permission first?
Not always. Many conversions fall under Permitted Development (Class MA), though prior approval is still required for specific conditions.
Can I convert office space to apartments?
Yes. Office buildings in Class E use are often ideal candidates for residential conversion under current UK regulations.
What are the interest rates?
Typically between 0.5% and 0.9% per month depending on LTV, experience, and project complexity.
Do I need experience to get a loan?
Experience helps, but first-time developers can still qualify with a strong project team and proper structure.
Take the Next Step Toward High-Margin Success
Commercial-to-residential conversion is one of the most powerful strategies for building wealth in today’s property market.
With the right finance partner, you can unlock opportunities others overlook and turn underused buildings into profitable assets.
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