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Refinance Existing

🔄 Refinancing with Specialist Lending

Struggling to refinance through a high street lender? Don’t worry — specialist refinancing could be the solution.

At Af & Associates, we help clients access specialist lenders when circumstances don’t fit the mainstream. Whether it’s complex income, property type, credit history, or raising capital for something non-standard — we’ve got the experience and lender access to make it happen.
 

💡 What Is Specialist Refinancing?

Specialist refinancing is when you replace your current mortgage or property loan using a lender that understands complex or non-standard situations.

You might use it to:

  • Raise funds for refurbishment, investment, or business use

  • Consolidate debt

  • Get out of an expensive bridge or short-term loan

  • Refinance a buy-to-let, HMO, or mixed-use property

  • Secure a better rate if you’ve improved your credit or property value
     

🧩 When Might You Need a Specialist Lender?

  • Self-employed or irregular income

  • Credit issues or missed payments

  • Property is non-standard (e.g. above a shop, flat in a converted building)

  • Buying or refinancing in a limited company

  • Want to raise capital that traditional lenders won’t support (e.g. tax bill, business use, debt)

If this sounds like your situation, don’t worry — this is exactly what specialist lenders are designed for.
 

🛠️ What Can We Refinance?

  • Residential homes (owner-occupied or unencumbered)

  • Buy-to-let properties (individual or portfolio)

  • HMOs and multi-unit blocks

  • Semi-commercial and commercial units

  • Properties owned in SPVs or limited companies
     

📋 What You’ll Need

Specialist lenders tend to be more flexible — but they’ll still need:

  • Details of the existing loan

  • Proof of income (e.g. SA302s, company accounts, or payslips)

  • Property details (valuation, type, tenancy if applicable)

  • A clear explanation of why you're refinancing and how the funds will be used

We’ll walk you through it and present your case clearly to the right lenders.
 

⚠️ Keep in Mind

  • Specialist rates may be slightly higher than high street deals — but offer more flexibility

  • You’ll usually need at least 20–25% equity (or more for complex cases)

  • Some lenders allow interest-only or limited company borrowing

We’ll compare the market and explain the options in plain English.
 

🤝 Why Work With Us?

  • ✔️ Access to specialist lenders you won’t find on the high street

  • ✔️ We understand complex income, property structures, and company setups

  • ✔️ Quick turnaround and hands-on support

  • ✔️ Clear advice with no jargon or pressure
     

📞 Let’s Talk

If a standard mortgage isn’t right for you, we’ll find a solution that is. Let’s chat about your options and help you move forward with confidence.

👉 Give us a call: 02085307170

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments 

The Financial Conduct Authority does not regulate some forms of Commercial Mortgages & Loans. We are a Credit Broker not a Lender

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

 

To visit the FCA consumer website - The Money Advice Service - please click here

To verify our status with the FCA, click here and key in our FCA number: 917946 Authorised and Regulated by the Financial Conduct Authority (FCA).
 

 

Registered in England and Wales Company No. 12336442

Registered Office:3 The Shrubberies, George Lane, South Woodford, London, E18 1BD 

Telephone : 020-8530-7170

©AF & ASSOCIATES LTD. All Rights Reserved.

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