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Bridging Finance

• What is Afin’s Regulated Bridging product?

  Afin’s Regulated Bridging is a short-term, first-charge residential bridging loan designed for situations where a customer needs time -critical funding with a clear exit strategy. Typical scenarios include: Purchase before sale (chain break) Property sale delays Probate transactions Light refurbishment prior to refinance or sale Short-term refinance pending longer -term lending The loan is exit – dependent, meaning repayment relies on the customer completing a robust, defined and evidenced exit strategy within the loan term.

• What is the maximum term?

  Up to 12 months. Loans are intended to be short-term bridging solutions and must have a credible exit that completes within the term.

• How is the interest paid?

  Interest is rolled up / retained, meaning: There are no monthly repayments Interest accrues during the term The loan plus accrued interest is repaid in full at maturity Intermediaries should ensure customers understand that the balance increases during the term and is subject to a maximum LTV threshold.

• How is the loan repaid?

  Repayment occurs via a single lump -sum payment at the end of the term. This normally comes from: Sale of a property, or Refinance to a lender Loan settlement via other assets.