John Francis property auctions
Long-established West Wales estate agency (part of Countrywide) with around 20 offices selling residential, commercial, land and agricultural property by auction across Swansea, Carmarthenshire, Pembrokeshire and Ceredigion. When you find a lot, we arrange the finance: a whole-of-market broker, not a lender, with indicative terms in 24 hours, built for the auction deadline.
John Francis at a glance
- Coverage: Regional — Carmarthenshire, Ceredigion, Pembrokeshire, Wales
- Property types: Agricultural, Commercial, Land, Residential
- Auction methods: Online, Traditional
- Based in: Swansea, South West
- Website: johnfrancis.co.uk ↗
How auction finance works for John Francis lots
At a John Francis auction, the hammer is an exchange of contracts: you pay a deposit on the day and complete inside the catalogue deadline, usually 28 days (20 on some lots). A standard mortgage rarely moves that fast, which is why most bidders use auction finance or a bridging loan. Bring us the lot and the catalogue before you bid and we shop a panel of 100+ lenders for an indicative offer within 24 hours, so you know your ceiling and can commit on the day.
If the lot is unmortgageable in its current state, a refurbishment or below-market-value buy, that is exactly what this finance is built for: the bridge funds the purchase now, you complete on time, then exit by refinancing onto a term mortgage or selling once works are done. We stress-test that exit first. We are a broker, not a lender, and we disclose every fee in writing before you commit.
Where John Francis sells
Property-auction markets we cover include:
Bidding at John Francis? Get finance ready in 24 hours
Tell us the lot and your exit. We come back with indicative terms in 24 hours and drive valuation and solicitors to completion.