You definitely need 10% deposit the auction house requires on the day. The remaining 90% is required within 28 days.
It would be unwise to pay 10% deposit without first being pre-approved for finance. You can be declined for many reasons from your circumstances, requirements or the property.
The penalty for not completing in time can include:
Ask your mortgage broker about auction finance pre-approval. This is a Mortgage in principle with the lender. Giving you confidence that finance is approved should you win the bid.
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