We are pleased to announce the semi-exclusive launch of Network Direct Access to Afin Bank, now available to Connect Network members.
Even within a strong specialist panel, certain cases require a more tailored underwriting approach, whether due to visa status, limited UK credit history, complex income structures or higher borrowing requirements. Afin has been built to support these scenarios with flexibility and manual assessment at its core.
Afin is particularly strong in supporting borrowers from diaspora communities living and working in the UK, but their proposition extends far beyond this. They are well suited to:
- Self-employed applicants
- High-net-worth clients
- Professionals seeking enhanced income multiples
- Clients requiring flexibility around deposit origin or income structure
Why Afin?
Afin combines manual underwriting with a broad and flexible criteria set across Residential and Buy to Let.
General
- No minimum credit score
- 6 months UK residency (T1/T2 visas accepted, no expiry time limit)
- Overseas family deposits accepted (subject to due diligence)
- Tracker products with no ERCs
- No application fee on submission
Residential
- Up to 95% LTV
- Up to 6x LTI (6.5x for professionals and HNW clients)
- Self-employed accepted from 1 year’s accounts
- Income projections accepted (up to 90% LTV where 6 months into the trading year)
- Capital raising including business purposes, tax liabilities and debt consolidation
- Adverse credit over 36 months generally ignored
- Contractor income calculated using day rate × 5 × 46 weeks
- Bespoke affordability for high-net-worth clients using liquid or illiquid assets
Buy to Let
- Up to 75% LTV
- First-time buyers and first-time landlords considered
- Consumer BTL accepted
- No minimum income requirement
- Top slicing available
How to Access
Using the link below, download the Intermediary Accreditation Application Form Registration Form. Once you have completed this form, please email back to Intermediaries@afinbank.com
For full details, please refer to:
We are pleased to bring this semi-exclusive access to the Network and look forward to seeing how it supports your future case placements.
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Remember, you can still use the Specialist Placement Team to get started
Email or call 01708 676135 | Placement@connectmortgages.co.uk