We are a direct principal lender — no broker in the chain, no committee, no delay. Same-day indicative terms on every enquiry. Loans from £26,000 to £2,000,000 across England and Wales.
Chain breaks, auction purchases, uninhabitable property, buy before you sell. The most versatile tool in UK property finance — often completing in 5–10 working days.
Fund the purchase and renovation of residential or commercial property. Light refurb on a day-one advance, heavy refurb with staged drawdowns against GDV. BRRR, flip, HMO conversion — all considered.
Auction contracts require completion in 28 days — sometimes less. Standard mortgage lenders cannot move that fast. AF Credit can. AVM and desktop valuation options mean you can win a lot without a physical survey.
Offices, retail units, industrial property, leisure, and mixed-use assets. Fund the purchase, capital raise, or bridge a commercial transaction where a commercial mortgage cannot move fast enough.
Properties with both residential and commercial elements — a flat above a shop, a terrace with a ground-floor unit, a mixed portfolio block. Neither purely residential nor purely commercial, but we can lend.
AF Credit offers three routes to completing without a traditional physical valuation — reducing cost, removing delay, and making the impossible deadline achievable.
The umbrella product covering all routes to completing without a physical valuation — AVM, desktop, or existing RICS report. If you need to move faster than a surveyor can visit, this is where to start.
View no valuation bridging → Zero valuation costAutomated valuation using a Hometrack algorithm — instant result, no surveyor, no fee. Available on eligible residential properties up to 70% LTV. The fastest route to completion for standard stock in active markets.
View AVM bridging → RICS remote assessmentA RICS-qualified valuer assesses the property remotely using comparable evidence, Land Registry data, and local market knowledge. Typically 48–72 hours. No site visit, no appointment, no delay waiting for availability.
View desktop valuation bridging →When you come to AF Credit, you are dealing with the people making the credit decision — not a broker passing your file to a committee. That means faster decisions, more flexibility, and no broker fee.
We will tell you straight which product fits your deal — and if it doesn't work for us, we will say so. No pressure, no hard sell.