Auction Finance ,Fast, Flexible, and Contractor-Friendly
When time is limited, you need funding that moves as fast as you do. At Contractor Mortgage Solutions, we secure auction finance for contractors and self-employed professionals who need quick approvals, flexible terms, and competitive rates ,even when traditional lenders can’t keep up.
Tailored Mortgage Solutions / Options / Types
Auction Finance Solutions Designed Around You
Speed and certainty are key in auctions ,we deliver both.
Bridging Loans for Auction Purchases
Need quick access to funds before the auction deadline? Our short-term bridging finance helps you complete property purchases in days, not months.
Buy-to-Let Auction Finance
Whether you’re an investor or a contractor expanding your portfolio, we arrange auction finance tailored for rental or refurbishment projects.
Residential Auction Mortgages
Purchasing your main home at auction? We work with lenders who understand contractor incomes, ensuring your mortgage approval aligns with tight completion deadlines.
Refurbishment and Conversion Loans
Buying a property that needs work before it qualifies for a traditional mortgage? We can help secure finance for renovation or conversion ,even before the project starts.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Day Rate
We specialise in securing mortgages and auction finance for contractors based on contract earnings alone ,no tax returns or company accounts required.
Over the last decade, we’ve helped numerous contractors and self-employed professionals successfully purchase homes and investment properties through auction finance.
Our close relationships with lenders mean faster approvals, fewer delays, and tailored solutions rarely available on the high street or online.
Use our calculator to estimate your borrowing power
Get an instant estimate of your borrowing potential before you bid. Our calculator helps you gauge how much you could borrow based on your income and repayment preferences. Please note, results are indicative ,for a precise quote, contact our team for free expert advice.
Almost there!
Please provide your details to see your mortgage calculation resultsYour Estimated Borrowing Amount
Please note, that this calculator only provides indications of possible borrowings. Contact us for a free bespoke contractor mortgage recommendation.
Ready to discuss your options?
Auction deadlines wait for no one. Get ahead with fast, flexible finance tailored for contractors and self-employed buyers. Our expert advisers will help you prepare your application before bidding ,giving you confidence and speed when it matters most.
Compare & Find the Right Mortgage for You
Don’t settle for limited options ,explore, compare, and secure auction finance that fits your timeline and goals.
Mortgage Comparison ,Find the Right Mortgage in Minutes
Our comparison tool lets you review rates and options from trusted lenders who understand auction finance. Compare short-term and long-term funding choices side by side to make confident, informed decisions.
Mortgage Quote ,Personalised Mortgage Quote, Instantly
Need clarity before the auction? Get a personalised quote in minutes without impacting your credit score. We’ll match your profile with lenders offering the fastest turnaround and best value for your circumstances.
Why Choose Contractor Mortgage Solutions for Auction Finance?
Testimonials
James T.
IT Contractor
I had just 21 days to complete an auction property ,CMS made it happen in time. Incredible service!
Katy R.
Consultant
Other brokers said my timeline was impossible, but CMS arranged bridging finance within two weeks.
Rohan P.
Project Manager
I bought my first auction property as a contractor thanks to CMS. Smooth, professional, and reassuring.
FAQ’s
How quickly can auction finance be arranged?
In most cases, funds can be released within 7–21 days ,ideal for meeting strict auction deadlines.
Our Partners: https://mortgage-tek.co.uk/
Do I need a mortgage in principle before bidding?
Yes, it’s highly recommended. A pre-approved agreement gives you confidence and speeds up post-auction completion.
Can I use auction finance if I have bad credit?
Yes. Many specialist lenders we work with accept applicants with past credit issues, provided the investment is sound.
What deposit do I need for an auction property?
Typically 10% of the property price is required on the auction day, with the remaining balance due within 28 days.
Can contractors qualify for auction finance without accounts?
Absolutely. We base eligibility on your current contract income and day rate ,no tax returns needed.
What happens after I complete the purchase?
You can refinance your auction finance to a standard mortgage once the property is habitable or refurbished.