Whether you're buying at auction, breaking a chain, funding a refurbishment or raising capital — we move quickly and with certainty.
We're AF Credit — a direct principal lender. We lend our own money, make our own decisions, and treat every application as an individual conversation.
For property professionals, investors and homeowners, we offer the speed of a direct lender with the service of a team who know the industry inside out.
Same-day indicative terms and into legals within 12 hours on qualifying cases.
One dedicated contact throughout — not a call centre, not a committee.
Lending across England and Wales on residential, commercial and mixed-use property.
No-valuation and dual representation options reduce both time and upfront cost.
Our speciality. For qualifying properties we lend without a physical survey using AVM or desktop valuation — saving weeks.
Find out more →Meet your 28-day auction deadline with confidence. Same-day terms, fast legals.
Find out more →Break a chain, buy before you sell, or fund an uninhabitable property.
Find out more →Light to heavy refurbishment with staged drawdowns against work completed.
Find out more →Office, retail, industrial and mixed-use assets across England and Wales.
Find out more →Mixed-use and part-residential commercial properties considered.
Find out more →A bridging loan is short-term finance, typically lasting 3 to 24 months, secured against a property or other asset. It bridges a gap — between buying and selling, or between now and long-term finance.
Designed to last only as long as you need before your exit strategy completes.
In most cases interest is rolled up and repaid at the end, keeping monthly outgoings to zero.
Your property may be at risk if the loan is not repaid within the agreed term.
Tell us your situation and we'll provide indicative terms the same day. No waiting on committees.
A single underwriter owns your case from start to finish. Direct access, clear answers.
Once your application is approved we can instruct solicitors and progress to completion fast.
We lend our own funds and make every decision in-house. No external committees, no third-party sign-off — just experienced people moving quickly.
Urgent bridging using a no-valuation structure. 10 working-day deadline met.
We lend from £26,000 to £2 million, up to 75% LTV on residential property. Commercial and semi-commercial LTV is assessed case-by-case.
We provide same-day indicative terms on straightforward cases. Formal offers and legal instruction can follow within 24–48 hours, with completion often possible within 5–10 working days.
Not always. Eligible properties can use AVM (automated valuation model) or desktop valuation options, removing the need for a physical survey and saving both time and cost.
We lend on residential (including uninhabitable), commercial (offices, retail, industrial), semi-commercial (mixed-use), and development sites across England and Wales.
Yes. We lend to individuals, limited companies, LLPs and SPVs. Offshore structures are considered on a case-by-case basis.
Direct access to our underwriting team and clear appetite responses — no wasted time.
Whether you're a first-time borrower or an experienced investor, our experts are here to help you move with speed and certainty.
