Explore our range of Mortgages
Explore our mortgages. Whether you’re a first-time buyer, moving house, are self-employed or a landlord, find a mortgage that fits your circumstances.
Finding a mortgage that fits your plans can be difficult.
That’s why we’ve created a selection of mortgages to help you find an option that could suit you perfectly. And whether you’re looking for a specialist mortgage lender with competitive mortgage rates in the UK, or you don’t quite meet the criteria of other banks, we could have you covered.
The mortgaged property (which may or may not be your home) may be repossessed and/or a receiver appointed if you do not keep up repayments on your mortgage.
Whether you’re a first-time buyer, moving house, are self-employed, or a landlord, we could well have a mortgage that’s right for you. At Afin, we offer both fixed rate mortgages for predictable payments or tracker rate mortgages for more flexibility. Our expert mortgage advisors can help you make the right decisions to suit your circumstances.
Why choose
our mortgages?
Compare
our mortgages
Our mortgage options have been put together with your needs in mind. So whatever your goals, let’s see how we can help you.
First Time Buyer Mortgages
Make your first step on the property ladder with our mortgage options, designed to make the mortgage process as simple as possible for first-time buyers.
Mortgages when moving home
Moving home? We offer mortgages that aim to make your transition seamless, no matter where in England or Wales you’re moving to.
Remortgaging
Exploring moving your mortgage to change your term or borrow more money? We have mortgage options that’ll have you covered and may even reduce your payments.
Buy to Let Mortgages
If you are a landlord, property investor, or have found yourself with a property you’d like to rent out, we have a range of mortgages that could suit you. With two repayment options (Capital and Interest or Interest Only), that could help grow your rental portfolio, our buy to let products are simple and effective.
Understanding
fixed rate and tracker
mortgages
We offer a choice of fixed rate mortgages and tracker rate mortgages. To make your choice as simple as possible, we’ve compared the benefits of each:
Fixed rate mortgages
Your interest rate is fixed for the initial period of the mortgage deal. This means your payments won’t go up or down during this time. This gives you certainty to support monthly budgeting in the fixed period.
Tracker mortgages
Your interest rate is a variable rate that tracks or follows the Bank of England base rate. This means your payments could increase or decrease, however there are no early repayment charges should you wish to change your mortgage or make overpayments.
The mortgaged property (which may or may not be your home) may be repossessed and/or a receiver appointed
if you do not keep up repayments on your mortgage .
Mortgages
designed with
you in mind
Whilst designed with the African Diaspora in mind, our lending products may also be suitable for other UK resident customers, including employed, professionals and self-employed borrowers.
Self-employed
We cater for a wide range of self-employed applicants, including those who may have a more complex income structure.
- Ideal for business owners, contractors, and freelancers
- Requires a minimum 2 years of trading, this reduces to 18 months if you have an accountant that can complete a reference
- Contractors (including those working on a day-rate) can be considered from the start of your contract if you have 2 years of relevant industry experience.
- Forecasted income, via your accountant, can be considered for eligible borrowers
African Diaspora
At Afin Bank, we understand the unique needs of our Diaspora customers looking to get on the property ladder in the UK. That’s why our mortgage solutions are tailored for foreign nationals on a visa with a route to permanent residency, already living and working in the UK.
- Designed with the West African Diaspora in mind
- No minimum credit score required *
- Applicants with a minimum of 6 months UK residency on a valid visa can be considered
*Subject to credit underwriting
Professionals
We recognise the financial potential of qualified professionals and have mortgage solutions that reflect your earning capacity. That’s why our range of mortgages provide enhanced affordability options for eligible customers.
- Designed for professionals* holding a recognised qualification
- You can borrow up to 6.5 times your income if you are 35 years of age or younger, or 5.5 times your income if you are 36 or older
- Up to 90% loan-to-value** on purchase transactions is available
- Overpay up to 10% of your mortgage balance outstanding, each year on our fixed rate, products without any penalties or charges
* Afin Professional Criteria ** Loan-to-value (LTV) is the ratio of your mortgage loan to the value of your property, expressed as a percentage. The lower your LTV, the better your mortgage rate might be.
FAQs
Show all FAQs-
Who can I speak to about taking out a mortgage with Afin?
We’re here to help you explore your mortgage options in a way that feels simple and stress-free.
If you already have a broker, you can chat with them directly or our Mortgage Advisors are here to guide you every step of the way. We’ll take the time to understand your circumstances and help you find the best option that works for you with no charge for providing advice.
Our mortgage advisors offer advice on Afin’s mortgage products, with absolutely no cost or obligation. From your first enquiry to your application process, we’re with you all the way. Please note, though, that our advice is limited to Afin Mortgage products—we’re unable to assist with products from other lenders.
It’s easy to get started! Book an appointment through our website, and we’ll be in touch to chat about your needs.
Or, if you’d prefer, give us a call on 0333 344 2974, and one of our experienced mortgage advisors will be delighted to assist you.
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How do you calculate how much I/we can borrow?
We want to help you find the right mortgage for your needs. The amount you can borrow depends on your financial status, credit history, and an assessment of your income and regular expenses, including household bills, travel, insurance, lifestyle expenses, and child maintenance. We also take into account any unsecured commitments, such as credit cards and loan repayments that have more than four months remaining.
To explore how much you could borrow, speak to your broker, use our mortgage calculator or get in touch with us at 0333 344 2974. Our experienced mortgage advisors are here to guide you and find the best option for you.
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Do you have a minimum loan size?
Yes. We have a minimum loan amount of £100,000 (or £50,000 for Buy-to-Let).
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What is the maximum term over which I can take my mortgage?
We want to help you find a mortgage term that works for you—so we offer terms of up to 40 years, depending on affordability.
If your mortgage extends into your retirement years, we will need to understand your future retirement income and make sure everything remains affordable for you.
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Do you lend to foreign nationals?
Yes, we do.
We’re happy to support foreign nationals living in the UK. To be eligible, you’ll need to have been living in the UK on an eligible visa for at least six months.
Eligible visa/immigration statues include:
- Indefinite Leave to Remain
- Professional/Tier 1 & 2 Visas
- Spouse Visa (for joint applications with a partner or husband)
If you are not resident in the UK, we support foreign nationals from Ghana, Nigeria, The Gambia, and Sierra Leone who are looking for a Buy-to-Let mortgage.
We understand that everyone’s situation is unique, and we’re here to guide you through the process with clear and supportive advice.
How to apply
for a mortgage
Arrange a chat with a mortgage advisor
To apply for a mortgage with us, simply use our
appointment booker to book a chat with one of our mortgage advisors.
We’re just a call away
Or, if you’d prefer, give us a call and one of our experienced mortgage advisers will be delighted to assist you.
