Mortgage Finance

Auction is for Everyone

Mortgage-friendly buying through Connect RealTime®

Buying at auction isn’t just for cash buyers. With Connect RealTime®, you can buy a property with as little as 5% deposit and 95% mortgage*, thanks to our 60 and 90-day completion windows. These extended timelines give lenders, valuers and solicitors the time they need, without the pressure of traditional 28-day auction deadlines.

Whether you’re a first-time buyer or an experienced mover, we make the process clearer, faster and mortgage-friendly from the start.

If you’d like advice or want to discuss a property, we can help.
Our team can introduce you to auction-specialist mortgage advisers and high-street lenders who work comfortably within our 60-90 day timeframes. Simply submit the form to get started.

*All mortgages are subject to borrower status and lender criteria. A broker fee may be payable upon mortgage application. The total fee payable will depend on your circumstances. Your mortgage consultant will explain any fees applicable in your initial consultation. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy to let mortgages are not regulated.

Mortgage Finance Enquiry

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How it works

Getting a mortgage for
an auction property

Every property includes full legal documents, giving your solicitor and lender everything they need upfront.

Not all properties are created equal in the eyes of mortgage lenders. Certain conditions, such as the absence of essential amenities like a functioning bathroom or kitchen, or structural issues like rot or invasive species, may render a property un-mortgageable. Prioritise properties that are immediately liveable or lettable, ideally freehold or with a long leasehold (over 80 years), to streamline the mortgage process

Speak to a mortgage adviser who understands auction timeframes. Not all advisers specialise in this, we can point you to the right ones.

When you bid, you already know whether the property is mortgage-friendly and what your lender needs.
Most Connect RealTime® purchases require only a 5% deposit on the day.

Plenty of time for: a mortgage valuation, survey, underwriting, conveyancing and final approval and funds release

A modern auction process built around how real buyers actually buy.

Register to Bid
FAQs

Mortgage Finance

Frequently asked questions

You’re free to use anyone, but auction purchases require experience. We can recommend advisers who specialise in these transactions.
Yes. With our 60- and 90-day completion options, there’s enough time for lenders to process a standard mortgage application.

Yes, it’s strongly recommended.
Your adviser will confirm affordability and suitability before you commit.

Most lenders will, as long as the property is mortgageable (safe, habitable, no major defects). You’ll know this before bidding by reviewing the legal pack and speaking with your adviser.

Our 60- and 90-day windows give lenders the time they need if you use the right mortgage advisor. This is why Connect RealTime is far more mortgage-friendly than traditional 28-day auctions.

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