0333 344 2974
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Lower Ground Floor, 10 Chiswell Street, London, EC1Y 4UQ

Afin Bank

Afin bank’s vision is financial empowerment for underserved UK communities especially the UK Diaspora (non-nationals) and the self-employed. We aim to support you in serving these clients. We offer a range of products to suit your clients’ needs, whether they’re looking for residential or buy-to-let mortgages, we could have the right solutions to support them.

All of our products are manually underwritten and we don't rely on any credit scoring, each case is assessed on it's own merits.

Paid by PMS

For details of when your proc fee will be paid, please click on the button below.

Paid by PMS

Proc Fees

Product	Gross	Net
All Products	0.6%

Proc fees - when your proc fee will be paid

Product Type	When does the lender pay PMS?	Frequency
All	Tuesday of the second week after completion.	Weekly.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.

Key Features

All visa types accepted (except temporary / Student visa) - minimum time in UK is 6 months
Clients with professional qualifications can borrow up to 6.5x income

Self-employed - Latest year, directors loan income, net profit and forecasted income accepted
Flexible remortgage purposes including 100% debt consolidation, property investment, business use and tax bills

Overview

Post Code Restrictions:

Afin bank are not currently lending in Scotland

Lending to clients who originate from anywhere in the world who are living and working in the UK on a visa.

6 months minimum UK residency

Self-employed borrowers – complex income accepted e.g. multiple sources/directors loan income/net retained profit/forecast income (6 months + into current year)
Professionally qualified clients can borrow at enhanced criteria:

Up to 90% LTV
Up to 6.5x income

Deposits from family members based overseas accepted, subject to satisfactory DD.

Flexible remortgage loan purposes including 100% debt consolidation, property investment, business use and tax bills

First time buyer / first time landlord for Buy to let accepted

Consumer buy to let transactions accepted

Bespoke affordability considered for high-net worth (HNW) clients, with consideration for liquid and illiquid assets

Tools & Calculators

PMS Mortgage Club of the Year Finalist MI Awards 2019

Stephanie Charman -Finalist Business Leader Specialist Distributer

Afin Bank

Paid by PMS

Proc Fees

Proc fees - when your proc fee will be paid

Key Features

All visa types accepted (except temporary / Student visa) - minimum time in UK is 6 months

Clients with professional qualifications can borrow up to 6.5x income

Self-employed - Latest year, directors loan income, net profit and forecasted income accepted

Flexible remortgage purposes including 100% debt consolidation, property investment, business use and tax bills

Overview

Post Code Restrictions:

Tools & Calculators

0345 230 8000

[email protected]

FOR INTERMEDIARY USE ONLY