For brokers & introducers

A direct lender that makes
your cases complete.

Same-day terms, direct access to the underwriter, competitive proc fees, and no committee between your client and a decision. That's what working with AF Credit looks like.

Register as an introducer Call 01451 514 563
Same dayIndicative terms
12 hrsInto legals
£26k–£2mLoan range
75% LTVMaximum
Why place cases with us

Built for brokers who
hate chasing lenders.

We lend our own capital and make our own decisions. When you place a case with AF Credit, you get an answer — fast, direct, and honest. If we can't do the deal, we tell you the same day, not after three weeks of "it's with credit".

Your client relationship stays yours: communication runs through you unless you direct otherwise, and your introduction is protected on the case.

1

Direct underwriter access

One named contact who can actually say yes. No BDM relay, no external credit committee.

2

Competitive proc fees

Confirmed at terms stage, paid on completion. No clawback games.

3

Speed your clients notice

Same-day terms, legals in 12 hours, AVM completions in 5–7 working days.

4

No-valuation routes

AVM (£0, instant) and desktop valuation (75% LTV) options rescue cases other lenders stall on.

Appetite

Cases we want to see

Bridging from £26,000 to £2,000,000 secured on property in England and Wales — first charge, vacant or tenanted, individuals or SPVs.

Our speciality

No Valuation Bridging

AVM and desktop valuation cases up to 75% LTV — the fastest completions in our book.

Criteria →

Auction Deadlines

28-day completions with room to spare. Same-day terms on auction day if needed.

Criteria →

Residential Bridging

Chain breaks, capital raises, uninhabitable stock. From 0.79%/month.

Criteria →

Refurbishment

Light to heavy refurb with staged drawdowns against works.

Criteria →

Commercial & Semi-Commercial

Offices, retail, industrial, mixed-use. Up to 70% LTV on semi-commercial.

Criteria →

Adverse Credit

CCJs, defaults and arrears assessed on the asset and exit, not a scorecard.

Criteria →
How it works

Three steps to
registered status.

1

Register

Email [email protected] with "Broker Registration" — your firm name, FCA number if applicable, and contact details. We confirm registration same day.

2

Submit your case

Property address, loan amount, purpose and exit. We run AVM eligibility immediately and issue indicative terms the same day.

3

Complete and get paid

Legals instructed within 12 hours of credit approval. Your proc fee is paid on completion.

AF Credit intermediaries team working with brokers

A note on regulated cases: AF Credit lends to businesses and property professionals on an unregulated basis. Where your client requires a regulated product, we will say so immediately rather than waste your time.

Common questions

Intermediary FAQs

Yes. AF Credit pays competitive procuration fees to registered introducers, confirmed at terms stage and paid on completion. Register by emailing [email protected] with the subject "Broker Registration".

Yes. There is no intermediary desk between you and the decision-maker — you deal directly with the underwriting team from first enquiry to completion, with one named contact per case.

Indicative terms are issued the same day on all enquiries, and legals are instructed within 12 hours of credit decision. On AVM-eligible cases completion is achievable within 5–7 working days.

Only as you direct. Your client relationship is respected — communication runs through you unless you ask us to liaise with the client or their solicitor directly, and your introduction is protected on the case.

Bridging from £26,000 to £2,000,000 in England and Wales: residential, semi-commercial and commercial, auction deadlines, refurbishment, no-valuation cases via AVM or desktop, rebridges, and adverse credit considered on merit. If a case is outside appetite, we tell you the same day.

Register as an introducer Contact the team