AF Credit is a specialist principal bridging lender. We lend our own capital, make decisions in-house, and work directly with borrowers and intermediaries to complete quickly and with certainty.
The bridging market has grown — but it has also grown complicated. Layers of review, external credit committees and slow processes have pushed average completion times to 40–50 days.
AF Credit was founded to offer something different: a lender that makes its own decisions, communicates directly, and completes quickly without cutting corners on due diligence.
We lend across England and Wales on residential, commercial and mixed-use property — from straightforward chain-break loans to more complex commercial scenarios.
All lending is subject to underwriting. Rates and LTV are illustrative and will depend on individual circumstances.
We know that in property, timing is everything. We build our processes around getting you to the answer — yes or no — as quickly as possible.
We don't issue terms we can't stand behind. When we say yes, we mean it — and we deliver on it.
No hidden fees, no last-minute repricing. You'll know exactly what you're getting before you commit to anything.
We lend our own capital. No funding lines, no external credit committees. Every decision is made in-house, by the same team you speak to.
You won't be passed around. Your dedicated contact knows your case inside out and is available throughout the process.
We're one of the UK's leading no-valuation bridging providers. AVM and desktop valuations remove the need for a physical survey on eligible properties.
We lend across England and Wales on a wide range of property types — residential, commercial, mixed-use, and more.
In a market full of lenders that say the right things but move slowly, we've built a reputation for doing what we say — and doing it fast.
Our clients range from homeowners breaking a chain to experienced property investors completing on auction purchases or complex commercial assets. We treat every case with the same attention and urgency.
Whether you're a borrower or an intermediary, we'd love to hear from you.