About us
Fast Completions, Certainty of Funds​
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AF Credit provides specialist unregulated bridging finance for property investors, landlords and developers who need speed, clarity and reliable execution.​
We deliver short-term funding for residential and commercial property, taking a pragmatic, exit-led approach to underwriting and focusing on deals that make sense in the real world.​ This is not bridging finance built around process and committees.
Read on to see how AF Credit does things differently.​​
How we started
AF Credit was built by property professionals with lending and brokering backgrounds who have seen first-hand how unnecessarily difficult bridging finance has become for simplistic real-world property transactions.
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Experienced intermediaries, investors and developers will recognise the issue. Bridging finance was designed to provide fast, practical access to capital, yet many borrowers now find themselves navigating rigid, buy-to-let-style application processes, fragmented teams and multiple layers of underwriting, credit and operations just to resolve straightforward points.
As a result, many investors have turned to private lenders in search of certainty and speed. However, this has often created a two-tier market where genuinely fast capital comes at significantly inflated pricing which doesn't make sense for borrowers, simply to compensate for inefficiency in the mainstream bridging market.
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AF Credit was created as a direct response to this.
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We focus on transparent, reliable and fast bridging finance, delivered through straightforward underwriting, clear communication and competitive rates that reflect the quality of the deal - not the urgency of the borrower. We give straight answers early to avoid unnecessary wasted time and cost, and act quickly when a deal meets our criteria.​​
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Our lending philosophy is intentionally streamlined. We assess the asset, the exit strategy and the fundamentals of the transaction, make a clear decision, and execute with certainty from day one. This allows us to complete quickly, reduce friction for borrowers and intermediaries, and ensure that once terms are agreed, funding follows.
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We are not focused on volume, nor are we competing for complex, highly structured, speculative, or highly leveraged deals. Our strength lies in simple, defensible transactions, priced sensibly and delivered properly.
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We believe bridging finance should be exactly that - a bridge. By avoiding over-engineering, complex transactions and unnecessary approvals, we remain competitive on pricing, efficient in execution and consistent in delivery. This approach allows us to build long-term relationships with brokers and repeat clients who value certainty, speed and transparency over headline terms that rarely translate into real-world outcomes.
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When timing matters and certainty is critical, AF Credit delivers.
Bridging finance the way it should be done.
Our Product Summary
Residential Properties
Auction Purchases
HMO Finance
Development Exit
Refurbishment Finance
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.
Case Study 1: South London
Background of the deal:
The client required urgent bridging finance secured against a part single, part two-storey detached vehicle showroom. We completed using a no-valuation structure, meeting a tight 10-working-day deadline to fund an onward purchase following exchange of contracts.
0.89%
Per Month
10
Months
50%
LTV
£700k
Loan