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023 8045 6999

023 8045 6999

Afin Bank

About Us

Documents
Proc Fees
Product Gross Fee paid by lender Net fee paid to regulated broker Net Fee paid to non-regulated & client referral service
All Products 0.90% 0.45% 0.225%
Afin Bank was born from a simple idea – to create a bank where our customers feel welcome. We recognise the need to make banking effortless and accessible, especially for those who may face barriers due to certain factors such as their nationality or visa status.
Our journey is rooted in addressing the challenges faced by non-UK passport holders, especially those from Africa. Whether they reside in the UK or live abroad and hold aspirations of home ownership or property investment within the UK, they may encounter certain obstacles in establishing banking relationships.

A commitment to addressing this gap gave birth to Afin Bank. Our vision extends beyond merely providing financial services, it encompasses the creation of an inclusive environment where individuals from diverse backgrounds can feel valued and supported.
  • No minimum credit score required
  • Pragmatic, manual underwriting approach
  • Minimum UK residency: 6 months
  • Applicants with thin or no UK credit footprint accepted
  • Clients can originate from anywhere globally
  • Overseas deposits accepted
  • One year’s accounts and forecasted income accepted for self-employed applicant
  • Applications welcome from underserved communities such as clients from Nigeria, Ghana, Sierra Leone, The Gambia and all foreign nationals who live and work in the UK
  • Dedicated 90% LTV products for qualified professionals – up to 6.5x income
  • 100% capital raising available for debt consolidation
  • Flexible capital raising options – including property investment, business purposes, and one-off tax bills
  • ERC-free tracker product

Our loans are unrestricted and can be used for any purpose. See our case studies for more.

At Affirmative we have embedded fair treatment of customers within the business. And by looking at each case on its own merits and working to tight timescales for a loan completion, we can provide secured short-term finance for all our customers:

  • Get a loan of £10,000 minimum up to a maximum of £5 million
  • Borrow up to 75% loan to valuation (LTV) or higher in some cases
  • se flexible rates aligned with your case
  • Use staged facilities with interest only charged on the monies drawn
  • Borrow up to 100% of purchase price, build and refurbishment or development costs
  • Get an offer letter within hours of your application

Please note

Our phone lines will be closed on Thursday 1st May until 10.30am for staff training.

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