Real deals. Real results.

A limited company reserved a semi-detached house in Dover at £160,000 through the Modern Method of Auction and needed evidence of funding for the platform within a day. Terms went out the same morning and the decision in principle inside 24 hours. The seller's solicitor then took ten weeks over enquiries — and the facility completed on exactly the terms quoted in July.

A freehold end-terrace taken at auction with a 25-year social housing lease and a live rent dispute on the title. Another specialist lender gave indicative terms, read the legal pack and declined at application stage. AF Credit asked two questions and issued written terms 42 minutes after the first email, accepting the lease position up front and funding the property exactly as it stood.

A Newport borrower needed to refinance an existing bridging facility before a fixed redemption date. Another lender had held the case for a month, reached legals and withdrawn over the property's planning history. An existing valuation had been instructed on the wrong basis. AF Credit instructed no valuation, inspected internally, ran its own residual calculation and completed a day before the deadline.

Ltd company contractor with adverse credit needed to complete an MMA bungalow purchase in Hull by a hard deadline — £6,600 reservation fee already at risk. Previous lenders had failed to deliver. AF Credit issued same-day terms, used an AVM, rolled all costs and completed on the contractual deadline.

A limited company needed to release capital for business use. The only available security was the director's personal main residence in Palmers Green, North London. AF Credit structured a third-party first charge with a desktop valuation — no surveyor visit, no monthly payments, 12-month term to arrange refinance.

Three apartments purchased at £60,000 each — well below market value. Two existing short-term let properties offered as additional security. AF Credit assessed all five properties without a single site visit, completing a portfolio-backed bridging loan at 61.8% gross LTV.

Commercial vehicle showroom, 7,395 sq ft, Mottingham. New 15-year lease, £121,000 annual rent, 14-month rental guarantee. AF Credit assessed internally — no new survey, no delay. Borrower secured a residential investment in Chigwell against the clock.

Experienced property company converting a 2-bed former council house into a 5-bedroom HMO. Full conversion — 4 bathrooms, ensuite kitchenettes, garage extension. Mainstream lenders declined. AF Credit structured the refurbishment bridge at 57.8% LTV with a clear refinance or sale exit.

Bought £475k, refurb £150k, sold £825k — £200k gross profit. But the sale didn't complete in time. AF Credit refinanced the existing bridge at 65% LTV with desktop valuation only, avoiding default interest. Contractor restriction resolved via solicitor undertaking.

Existing bridging lender refused to extend with a hard deadline looming. AF Credit rebridged at full post-works value — no valuation, no-search indemnity, completed in 10 working days.

First-time buyer, non-standard construction cottage, gifted equity from family. Standard lenders declined. AF Credit structured a desktop valuation bridging loan at 57.8% LTV — purchase completed in 15 days with a clear refinance exit.

Developer needed capital to complete second fix on a 21-unit Manchester conversion. Multiple lenders declined due to build stage, no warranty and no valuation. AF Credit structured a £325,000 facility at 35% LTV against the £3.9m GDV.

An experienced developer needed rapid capital to fund a time-sensitive London commercial opportunity. A two-year-old RICS report was already on file. AF Credit audited it, accepted it, and completed — without instructing a single surveyor.

Harborne, Birmingham semi-detached. Two satisfied CCJs (3–4 years old) plus historic mortgage arrears. High-street BTL lender declined. AF Credit provided a 12-month bridge at 50% LTV — exit planned for BTL refinance as CCJs aged past the 4-year threshold.

Shop with tenanted flat above, purchased at auction in Coventry for £450,000. 28-day completion window. Specialist RICS blended valuation. AF Credit completed in 22 days — 6 days inside the deadline — with a semi-commercial investment mortgage refinance exit.

Victorian mid-terrace purchased for £205,000 in Beeston, Nottingham. £38,000 refurbishment — kitchen, bathroom, rewiring, windows. GDV £290,000–£300,000. Sold at £289,500. Bridge completed in 14 days; investor's capital fully recycled.

Detached 4-bedroom house, Sherborne, Dorset valued at £875,000. Executor needed £190,000 to pay HMRC before probate granted. Property unsellable until grant issued. AF Credit completed at 32% LTV using desktop valuation in 12 days. Sold at £862,000 post-probate.

End-of-terrace, Wolverhampton, purchased at auction for £118,000. BTL lender withdrew on day 14 citing condition (no kitchen, boiler requiring replacement). AF Credit has no minimum condition standard — stepped in at 75% LTV and completed in 7 working days.

Vendor's buyer withdrew 24 hours before exchange. Onward purchase at risk. AVM valuation (same day, £0) plus no-search indemnity removed the two longest delays. £207,000 at 60% LTV completed in 5 working days. Flat re-sold at £350,000 nine weeks later.

Savills auction purchase — original lender pulled out with the deadline looming. AVM valuation, gifted deposit cleared, dual rep legals. Completed one day inside the extended deadline.