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.
The enquiry goes to an underwriter with authority to lend, not to a sales desk. If the security or the exit does not work, you hear that the same day rather than a fortnight later.
We decide at terms stage whether the case runs on AVM, desktop or a physical inspection, so the cost and the timetable are known before anyone spends money.
The person who agreed the terms runs the file through legals. No handover, and no second opinion arriving late to reprice the deal.
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.
Four things shape how a case runs with us. They are all consequences of lending our own money rather than drawing on someone else's.
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.