United Trust Bank Completes £1.28m Regulated Bridging Loan for Auction Purchase in Just 12 Working Days
21 April 2026
United Trust Bank (UTB) Bridging has completed a £1.28m regulated bridging loan from application to completion in just 12 working days, helping borrowers secure a new main residence purchased at auction within a tight 28-day deadline.
Andrew Hunt, Mortgage & Commercial Adviser of KDW Financial Planning, approached Nick Warren, Key Account Manager BTL & Bridging at UTB, after his clients successfully bid on a London property at auction but required a fast and certain funding solution to meet the completion deadline.
With contracts exchanged and the clock already ticking, speed and certainty were critical. The borrowers needed to raise £1.28m, including rolled-up interest and charges, not only to complete the purchase but also to settle the existing first charge on their current property.
Key Case Highlights:
- £1.28m regulated bridging loan
- 74% LTV
- Completed in just 12 working days
- AVM used to support a fast, streamlined process
UTB moved quickly to assess and progress the case, utilising an AVM to support the valuation process and streamline the application. Thanks to close collaboration between all parties, the loan was approved and completed within 12 working days, comfortably within the auction timeframe and providing the borrowers with the confidence and funding needed to secure their new home.
Andrew Hunt, Mortgage & Commercial Adviser at KDW Financial Planning, commented:
“With such a tight deadline, we needed complete confidence that the lender could deliver — and UTB did exactly that. The team were proactive, communicative and focused on getting the deal over the line. Their ability to complete quickly made all the difference and ensured our clients secured their new home without unnecessary stress.”
Nick Warren, Key Account Manager BTL & Bridging at United Trust Bank, said:
“This case highlights exactly what UTB is built to deliver — speed, certainty and the ability to perform under pressure. Auction purchases demand a lender who can move quickly and decisively, and by working closely with Andrew we were able to deliver a smooth and timely completion for the clients.”
This latest completion reinforces UTB’s strong track record in delivering fast, flexible regulated and unregulated bridging finance, giving brokers and their clients the speed and certainty required when time is critical.
