Fast & Flexible Bridging & Development Finance.

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What we do

Our Services

Acquisition Financing

Fast, flexible bridging and development loans tailored for time-critical property purchases. Expert-led, deadline-driven, and designed to move deals forward.

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Rebridge Financing

Swift, tailored bridging and development loans to secure property or land fast — ideal for time-sensitive acquisitions and competitive bidding scenarios.

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Construction Financing

Tailored funding for ground-up developments, major builds, and light refurbishments. Flexible drawdowns, fast decisions, and expert support throughout.

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Fast Bridge Financing

Quick-access short-term funding for urgent property purchases or refinance. Decisions in hours, funds in days — ideal for auction buys and chain breaks.

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Who we are

About Aura Capital

Specialist finance for property professionals who can't afford to wait.

Aura Capital provides fast, flexible bridging and development finance for investors, developers, and brokers across the UK. From auction purchases and chain breaks to ground-up developments and rebridges, we structure deals that mainstream lenders can't — and we move at the pace your opportunity demands.

0.55%
Rates from per month
85%
Maximum LTV available
6hrs
Formal offer turnaround

What we offer

Bridging loans, development finance, auction and chain-break funding
No-valuation options — same-day decisions using AVM and desktop valuations
Finance across residential, commercial, and mixed-use property
Trusted by brokers, investors, and developers nationwide
Access to JV funding, insurance partners, and bespoke support services

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auracapital

Track record

Case Studies

Discover how we've helped clients secure fast, flexible funding across acquisitions, refinances, and development deals.

Proven track record delivering market-leading specialist and short-term finance products
Speed, discretion, and a professional, problem-solving approach on every case
One trusted partner delivering efficient, straightforward execution from enquiry to completion
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Finance solutions

Our Products

From bridging to development loans, every product is built for speed and flexibility — structured around your deal, not a standard template.

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A woman is standing on a ladder, applying blue painter's tape along the top edge of a wall. A man is holding the ladder to steady it while observing. The room has white walls and a window with sheer curtains.

Specialist product

No Valuation Bridging Loans

One of the UK's leading specialists in no-valuation bridging finance.

Skip the delays and upfront costs of traditional valuations. Using AVMs, desktop valuations, drive-by assessments, and internal lender valuations, we deliver fast, efficient finance for auction purchases, refurbishments, and any situation where speed is essential.

0.55%
Rates from per month
75%
Typical net LTV
£10m
Max loan size
Same day
Decisions on some cases
Same-day valuation decisions — faster completions from 48 hours
Market-leading rates and industry-leading LTVs up to 75% net
Lower upfront costs — no expensive survey fees to pay before approval
Trusted by property professionals, investors, and developers nationwide
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Specialist product

Land Bridging Loans

Fast, specialist land finance for developers and investors — with or without planning permission.

We arrange short-term land finance across the full planning spectrum. Whether you're securing strategic land ahead of a planning application, meeting a 28-day auction deadline, or bridging through to development finance, we structure deals where mainstream lenders won't move quickly enough.

0.90%
Rates from per month
65%
Typical LTV
£10m
Max loan size
5-10
Working days to complete
Funding for land with no planning, outline, or full planning consent
Fast decisions for land auction purchases and off-market acquisitions
Competitive LTVs based on planning status, location and exit strategy
Trusted by developers, investors, and professional buyers nationwide
Explore land bridging Land bridging calculator

Why choose us

360° Offering

Market Leading Rates

Competitive bridging and development finance tailored to maximise returns and minimise costs on every deal.

From 0.55% per month
Bespoke Products

Tailored finance for acquisitions, refinances, refurbishments, and new builds — structured around your project timeline and goals.

Every deal is different
Market Leading Leverage

High LTV options enabling ambitious projects with minimal upfront capital. 100% of purchase price available on BMV deals.

Up to 85% LTV
All Securities Considered

Residential, commercial, mixed-use, and non-standard assets funded. Desktop, AVM, and no-valuation options for speed and flexibility.

Any asset type
auracapital

Got questions?

Frequently asked questions

Everything you need to know about bridging loans and development finance with Aura Capital.

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.
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