Capital that moves at your deal's pace.
Fast, flexible bridging and development finance for UK investors, developers and auction buyers. Formal offers in six hours. Funds in as little as forty-eight.
Self Quote
Use our live calculator to generate indicative terms in under five minutes — rates, fees, monthly cost and total.
Start self-quoteEnquiry Form
Send the details of your deal — asset, timing and structure — and a senior specialist will come back within the hour.
Submit enquiryRequest a Callback
Busy? Pick a time that suits you and we'll call you back — morning, afternoon or early evening, Monday to Saturday.
Book a callbackBuilt for the people behind every UK property deal.
From first-time auction buyers to seasoned developers, our specialists work 1:1 with you to structure the right facility — clearly, quickly and without jargon.
BTL, HMO & flip buyers
Fast facilities for BTL portfolio growth, HMO conversions and flip projects — including no-valuation options for investors moving on tight timelines.
Quote an investor dealGround-up & major refurb
Ground-up development, conversion and major refurbishment funding. Flexible drawdowns, GDV-led leverage and fast decisions from day one.
Quote a development28-day completions
Urgent auction finance with lender decisions in hours. We regularly complete inside the 28-day deadline — including no-valuation structures for speed.
Quote an auction dealThree steps from enquiry to funds.
No master brokers. No networks. You deal directly with the senior advisor working your case — from the first call to drawdown.
Tell us about the deal
Five-minute self-quote or a direct call with a specialist. We'll confirm indicative terms and structure within the hour.
Formal written offer
We go direct to lenders on your behalf — no middle-layer brokers, no added fees. Formal offer typically inside six working hours.
Funds at your solicitor
We manage valuation and legal end-to-end. Most deals complete in five to ten working days; urgent cases from forty-eight hours.
Structured around your deal, not a template.
From auction bridges and chain-breaks to ground-up developments, each product is built for speed and flexibility, across residential, commercial and mixed-use property.
Acquisition Bridging
Fast, flexible finance for time-critical property purchases — auction, off-market, chain break.
Development Finance
Ground-up, major refurb and conversion funding with flexible drawdowns and expert oversight.
No-Valuation Bridging
AVM, desktop and drive-by valuation options. Lower upfront costs, same-day decisions where suitable.
Land Bridging
Short-term land finance across the planning spectrum — no planning, outline, or full consent.
Re-Bridge & Exit
Replace an existing facility quickly to extend runway, fix an overrun, or bridge to long-term finance.
Commercial & HMO
Residential, commercial, mixed-use and non-standard assets. HMO conversions, Grade II listed, and more.
One of the UK's leading specialists in no-valuation bridging.
Skip the delays and upfront costs of traditional valuations. Using AVMs, desktop valuations, drive-by assessments and internal lender valuations, we deliver efficient finance for auction purchases, refurbishments and any scenario where speed is essential.
- 01Same-day decisionsCompletions from 48 hours on suitable cases.
- 02Lower upfront costNo expensive survey fees before approval.
- 03Industry-leading LTVsUp to 75% net on no-valuation products.
Recent deals, closed at pace.
A sample of acquisitions, refinances and development exits completed across England and Wales — residential, commercial and listed assets.
Auction refurbishment bridge, 75% LTV
Investor secured a winning auction bid and required funds inside the 28-day deadline. Desktop valuation used throughout.
HMO conversion & rebridge
Seven-bed HMO conversion, re-bridged post-practical completion while awaiting refinance. Funded against uplift in value.
Prime gated residence refinance
No-valuation refinance on a high-value Surrey residence to release equity ahead of a portfolio acquisition.
A 360° offering, direct to lender.
We don't operate through master brokers or networks. We go direct — which means we access a wider panel, move faster, and secure better terms than most borrowers can independently.
Market-leading rates
Competitive bridging and development pricing tailored to maximise returns and minimise costs on every deal — with complete transparency up front.
Bespoke structures
Every deal is different. We structure funding around project timelines, exit strategies and security — not around pre-set product grids.
Market-leading leverage
High-LTV options enabling ambitious projects with minimal upfront capital. 100% of purchase price available on below-market-value deals.
All securities considered
Residential, commercial, mixed-use and non-standard assets funded. Desktop, AVM and no-valuation options for speed and flexibility.
Everything you need to know.
If you don't see your question here, speak to a specialist directly — we're happy to walk through the details of any structure, asset type, or deadline.
The maximum LTV for our bridging loans is 85%, with the average typically ranging between 70–75%. On below-market-value (BMV) deals, 100% of the purchase price may be available. Each loan is tailored to the specific property, borrower, and exit strategy to ensure the best possible terms.
Yes — we are recognised as one of the UK's leading specialists in No Valuation Bridging Loans. Using AVMs, desktop valuations, drive-by assessments, and internal lender valuations, we can proceed without a full physical inspection. This significantly reduces upfront costs and speeds up the process, with same-day decisions available on suitable cases.
No — we operate with no commitment agreements and zero upfront fees. There are no hidden charges and complete transparency from the outset. Our fixed-fee model means you know exactly what you're paying, with no surprises throughout the process.
Our bridging loan rates start from just 0.55% per month, rising to around 1.25% per month depending on the deal, property type, LTV, and risk profile. Our average client rate is below the market average, and we guide every client on how to structure their deal to minimise costs.
You can receive a formal offer from a lender in as little as 6 hours on straightforward cases, with more complex cases typically concluded within 2 working days. Our streamlined process and direct lender relationships ensure you get fast, reliable decisions without unnecessary delays.
Yes — we manage the entire bridging loan process end-to-end, including property valuation and legal work. Our team coordinates everything on your behalf, reducing friction and saving you time so you can focus on the deal rather than the administration.
Most bridging loans complete within 5–10 working days. In urgent cases such as auction purchases, completion in as little as 48–72 hours is possible. Our direct relationships with specialist lenders mean we can move as fast as your deal requires.
Yes — we pride ourselves on fully transparent terms with no hidden fees or unexpected charges. Interest rates, arrangement fees, exit fees, and repayment schedules are all clearly outlined before you proceed. We do not work through master brokers or mortgage networks, so there are no third-party layers adding cost.
We offer a full range of bridging loan solutions including: development exit bridging loans, auction finance, no valuation bridging loans, land bridging loans, HMO bridging finance, commercial bridging, second charge bridging, regulated and unregulated bridging, refurbishment finance, and high-value residential bridging. We cover both residential and commercial property across England and Wales.
Our team has over 15 years of combined experience in specialist finance, including underwriting and credit roles at lenders themselves. We go direct to lenders — no master brokers, no networks, no added fees. This means we access a wider market, move faster, and secure better terms than most borrowers can achieve independently. Over the past 5 years our team has transacted over £500 million in bridging and development finance.
Indicative terms in under five minutes.
No commitment. No credit-file impact. A senior specialist will follow up within the hour to confirm structure, timing and next steps.
- Direct line
- 01451 514563
- Enquiries
- enquiries@auracapital.co.uk
- Office
- Palace Garden Terrace
Kensington, London W8 4EQ