Bridging Finance Without the Red Tape.
Transparent and Efficient Financing for Introducers, Developers, Landlords, and Property Investors.
Max LTV
75%
Average Rate (PCM)
0.89%
£26k-£2m
Loans from
About Us
Clear Terms. Reliable Execution.
AF Credit provides structured, specialist property finance for time-sensitive transactions and complex funding requirements. We work with professional borrowers, first-time borrowers, introducers, and business owners, delivering competitive and transparent lending solutions where speed, clarity, and certainty of execution are critical.
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Our approach is defined by clear requirements from the outset, pragmatic underwriting, and a commitment to treating customers fairly. We focus on providing straightforward funding structures, competitive pricing, and consistent decision-making, ensuring clients understand the process, costs, and timescales from day one.
Our Process
Simple. Fast. Straightforward.
Get a quote
Discuss your requirements with our team for a tailored quote, or apply online for a fast decision.
Submission
Following receipt of your application, we’ll request the necessary information to assess affordability and suitability for the product.
Once confirmed, we’ll approve your application and valuation type on the same day.
Legal & Valuation
Once valuations and legal requirements are complete, we’ll provide a formal offer for your review before funding your loan.
Our Products
Our Lending Approach
A1 Loans is a specialist property lender providing fast, flexible short-term finance for residential, commercial, and mixed-use property. We support property investors, landlords, developers, and business owners who need certainty of funding, clear terms, and the ability to move quickly when opportunities arise.
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Whether you are purchasing, refinancing, releasing capital, or funding works, our streamlined lending approach allows you to complete transactions efficiently without unnecessary red tape or delays.
Move quickly
Act with confidence on time-critical opportunities, including auctions, off-market purchases, and tight completion deadlines, giving you certainty of funding when it matters most.
Add value
From refurbishments and conversions to stabilising rental income, our facilities focus on the strength of the property and the exit strategy, allowing you to improve and reposition your asset without being slowed by complex finance.
Clear and reliable
We provide transparent terms, consistent underwriting, and a straightforward process from application through to completion, so you always know where you stand and can plan with confidence.