💼 Specialist Finance Solutions

Flexible Funding When the Banks Say No

Not every client fits the high street mould — and that’s where specialist finance comes in.

At Af & Associates, we help individuals, investors, and business owners access tailored finance solutions when traditional lenders can’t assist. Whether it’s a complex income, credit challenges, unusual property types, or tight deadlines — we work with a wide panel of specialist lenders who think outside the box.
 

🧩 What Is Specialist Finance?

Specialist finance refers to lending outside of traditional bank criteria. It’s designed for scenarios that are more complex, time-sensitive, or unconventional — and it offers the flexibility you won’t find on the high street.

This type of funding can include:

• ✅ Bridging loans

• ✅ Development finance

• ✅ Buy-to-let (including HMOs and SPVs)

• ✅ Second charge mortgages

• ✅ Adverse credit mortgages

• ✅ Commercial lending

• ✅ Auction and refurb finance
   

👥 Who Is It For?

Specialist finance is ideal for:

• Self-employed or contract workers

• Clients with complex or low provable income

• Landlords with multiple properties or SPVs

• Borrowers with credit history issues

• Property investors needing fast completions

• Those buying non-standard properties (e.g. flats above shops, HMOs, mixed-use)
   

🤝 How We Can Help

We don’t just fill out forms — we build your case and match you to the right lender. Our experienced advisors understand how specialist lenders assess risk and can often find a solution when others say no.

• ✔️ Access to exclusive specialist lenders

• ✔️ Fast, hands-on service

• ✔️ Clear advice with no jargon

• ✔️ End-to-end support until completion
   

📞 Ready to Talk?

Whether you’re buying, refinancing, or raising capital — if your case is a little more complex, we’re here to help.

👉 Give us a call 02085307170