Bridging loans, delivered. If it makes sense, we'll get it done.

Certainty from the first call: a commercial view of your deal, a decision in hours and a process built to complete on time. AF Credit lends its own money from £10,000 to £2m, and the underwriter who reads your case is the one who sees it through.

Get a quote → Place a case as a broker

What could your bridge cost?

Two figures and a term. Real terms follow on the full quote.

£400,000
£200,000
12 months
Illustrative rate0.93% a month
Interest over the term£22,320
Get a full quote →

Illustrative only, not an offer. Arrangement, legal and exit fees apply and are shown in full on the quote. No credit search to get a quote.

People with plans. A lender who listens.

Residential → Auction → No valuation → Refurbishment → Semi-commercial → Commercial → Adverse credit →

Whichever side of the deal you're on,
there's a straight route in.

I'm buying, refinancing or refurbishing an investment property

Landlords, auction buyers, developers and SPVs. Send us the property and we'll tell you what it supports.

  • Indicative terms the day you enquire, with every fee in writing
  • No valuation fee on eligible property with an AVM
  • Uninhabitable, tenanted and mixed-use property considered
Get a quoteSee what we lend on

I'm a broker with a case to place

You speak to the underwriter who decides it. Your client stays yours, and the proc fee is confirmed at terms and paid on completion.

  • Terms the day you submit, on qualifying cases
  • Solicitors instructed within 12 hours of credit approval
  • A straight no, early, when a case isn't one for us
Register as an introducerSubmit a case

Pick the property. We'll show you the loan.

Every product below is funded and underwritten by AF Credit. Unregulated bridging on investment and commercial property in England and Wales.

From first email to funds,
in days rather than weeks.

Day 1

Send us a deal

Property, price, loan and exit. If there's a legal pack, send that too. You'll have indicative terms and the full costs the same day.

Same day

Valuation

AVM or desktop valuation where the property qualifies, so nobody waits for a surveyor. Where a visit is needed, we instruct it straight away.

Same day

Solicitors instructed

Often one firm acting for both sides, which takes a week of duplicated review out of the legal stage.

5–10 working days

Completion

Clean cases complete in 5 to 10 working days. Complex titles take longer, and we'll give you a realistic date on day one.

Skip the surveyor.
Keep the 75%.

The surveyor visit is the slowest step in most bridging loans. On eligible residential property we value it remotely and lend to the same limit as a full inspection.

£0AVMAn automated valuation in minutes. Up to 65% LTV on standard residential property in active markets.
75%DesktopA RICS valuer reviews the property remotely in 48–72 hours. Up to 75% LTV, from around £425.
No valuation bridgingAVM vs desktop, explained

Three recent deals, with the numbers.

Lenders that withdrew, deadlines that were days away, titles other lenders wouldn't touch. Every case study on the site is a real completed loan.

Semi-detached house in Dover, KentFunding evidence overnight
Auction · Dover, Kent

£160,000 auction purchase on an AVM, no physical valuation

Problemiamsold needed written funding evidence within 24 hours
Facility£120,000 at 75% of the purchase price, limited company borrower
TimescaleFinal facility letter by 10:09am the next morning
Read the case study →
Freehold end-terrace in PrestonTerms in 42 minutes
Tenanted auction lot · Preston

Lease in dispute on the title. Funded exactly as it stood.

ProblemAnother lender declined at application once it read the lease
Facility£65,250 at 75% LTV on a desktop valuation
TimescaleWritten terms 42 minutes after the first email; completed on the deadline
Read the case study →
Shop with flat above, Coventry8 days from enquiry
Semi-commercial · Coventry

Shop with a flat above, bought at auction with 14 days left

ProblemMortgage declined on mixed-use grounds, 28-day auction window
Facility£260,000 at 57.8% blended LTV
TimescaleCompleted 6 days inside the deadline
Read the case study →

See all 21 case studies

The questions we're asked most.

We lend from £10,000 to £2 million, up to 75% LTV on residential investment property, including uninhabitable houses. Semi-commercial is up to 70% and commercial up to 65%.

Indicative terms the day you enquire on straightforward cases. Solicitors are instructed within 12 hours of the credit decision, and clean cases complete in 5 to 10 working days.

Not always. Eligible properties can use an AVM or a desktop valuation, so nobody has to visit the property. An AVM costs nothing and runs to 65% LTV; a desktop valuation takes you to 75%.

Residential including uninhabitable and tenanted, commercial (offices, retail, industrial), semi-commercial such as a shop with a flat above, and refurbishment projects, across England and Wales.

Yes. We lend to individuals, limited companies, LLPs and SPVs. Offshore structures are considered case by case.

At our maximum 75% LTV you need at least 25% of the property value as equity or deposit, plus transaction costs: stamp duty, legal fees and the arrangement fee. On a £400,000 property that means £100,000 of equity plus costs.

Monthly interest from 0.79%, an arrangement fee of 2 to 3% of the gross loan, valuation (£0 on AVM cases) and legal fees. An exit fee of one month's interest is payable on redemption. There's no early repayment charge, subject to three months' minimum interest. Our costs guide works through real examples, and the calculator gives you a figure in seconds.

A mortgage is long-term finance for a property you intend to hold, and takes weeks to months. A bridge is short-term, completes in days, and is repaid from a sale or refinance. If you need speed, or the property isn't mortgageable yet, bridging is the tool. See the full comparison.

How the loan gets repaid: usually selling the property or refinancing onto a buy-to-let or commercial mortgage. We test whether your exit is realistic within the term before we lend.

Usually not. Interest is normally rolled up or retained, so nothing goes out each month. Serviced interest is available if you prefer.

Yes. There's no early repayment charge. A three-month minimum interest period applies, and an exit fee of one month's interest is payable on redemption.

No. AF Credit provides unregulated bridging only, secured on investment and commercial property. We can't lend where you or a close family member lives in, or intends to live in, the security property.

Send the property address, loan amount, purpose and exit and we'll come back the same day with indicative terms. You deal with the underwriter throughout, your client relationship is protected, and proc fees are confirmed at terms stage and paid on completion. Details on our intermediaries page.

All FAQs

Send us the deal.
We'll tell you today.

Property, price, loan and exit, directly or through your broker. You'll get indicative terms with the full costs, and if there's something awkward in the legal pack, we'll tell you in writing whether we can fund it as it stands.

Get indicative terms Call 01451 514 563

Your property may be repossessed if you do not repay a loan secured on it. All lending is subject to underwriting.