Short-term auction bridging finance typically ranges up to 12 months for rapid exits.
Services
Expert Auction Finance Solutions
Explore property auction finance options tailored for both fast turnarounds and long-term investments. Rainstone helps you find the right fit for your budget and deadlines.
Protect Your Property
What is Auction Finance?
Auction finance is a pre-approved, fast funding solution designed to bridge the gap between the fall of the hammer and the 28-day completion deadline. It helps you secure cash-buyer status for both traditional and modern property auctions. Short-term auction bridging finance is typically available for up to 12 months.
Fast-Tracked Flexibility
High Leverage Options
Secure an auction loan for up to 75% of the property’s market value.
Diverse Asset Coverage
Funding is available for residential properties, including your home, buy-to-let investments, and land.
Scalable Funding
Access up to 75% of the property’s value, with loan sizes from £26k to £5m to match your investment scale.
AWARDS
Your Property Investment
How Auction Finance Works for You
Unlike traditional mortgages that take months, auction finance is engineered for the 28-day completion window. As a broker, Rainstone bypasses rigid banking delays, providing rapid, asset-based bridging that secures “unmortgageable” properties while protecting your 10% auction deposit.
Our Process
How Rainstone money Secure Your Property Auction
Finance
Pre-Auction Approval
We secure a “Decision in Principle” for your property auction finance, giving you a guaranteed bidding limit before you enter the room.
Market Comparison
We scan the whole of the market to find the most competitive auction loan rates for your specific lot, whether residential, commercial, or derelict.
Rapid Valuation
We fast-track the survey process to satisfy lender requirements for your property auction finance within the first 7–10 days.
Rapid Valuation
We coordinate with your solicitors to ensure your auction loan is fully drawn down within the strict 28-day (or 56-day) legal window.
Diverse Funding For Every Lot
Our Property Auction Finance Solutions
Rainstone money provides specialised auction finance and auction bridging finance, delivering the speed and market access needed to secure any property lot within strict legal completion deadlines.
Traditional 28-Day Completion
Our property auction finance solves the 28-day deadline crisis by delivering rapid capital that traditional banks cannot provide. This fast-tracked funding secures your unconditional contract and protects your 10% deposit through the immediate exchange process.
Modern 56-Day Mortgage Loan
We solve the funding gap for “conditional” sales by providing flexible auction bridging finance for reservation-fee-based purchases. This solution bridges the 56-day timeline, offering more breathing room than standard auction terms while maintaining “cash-buyer” speed.
The Specialist Asset & Renovation Bridge
Rainstone money secures auction finance for derelict or “shell” lots that high-street banks typically reject as un-mortgageable. We fund based on the property’s future potential, allowing you to acquire dilapidated assets and add value through renovation.
Bridge-to-Let Auction
Our auction loan “bridge-to-let” options solve the issue of being stuck on high-interest rates after a project ends. This allows a seamless transition from your initial purchase into a stable, long-term mortgage once the property is refurbished.
Testimonials
Hear How We Helped People And Businesses
As a property developer, I needed bridging finance quickly. Rainstone arranged the funding efficiently and managed all lender communications, saving me weeks of paperwork.
Carlos Martines
MEX – CEO
“Partnering with Finovate was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”
Kate Smith
Swirl – CEO & President
“I hired Finovate for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”
Rebecca Roy
H&N – CEO & President
Why us?
The "Cash-Buyer"
Speed Guarantee
Deliver auction bridging finance in as little as 7–10 days