Afin Bank has updated its product and criteria, the details are below. These products are available through our direct to lender mortgage club so contact us for more information on how our club can support your business.
Let’s imagine a business owner with more than 20 years’ experience who has built a profitable consultancy while steadily growing a substantial residential, commercial, and development property portfolio. Profits are reinvested into the business and assets, with only a modest personal salary drawn by design.
The business owner is looking to refinance their £2m residential property, with the aim of releasing additional capital. Despite clear underlying wealth, the income profile alone does not meet traditional affordability criteria.
Here’s how an Afin High-Net-Worth Mortgage would support a successful business owner who looks “unaffordable” on paper
- Assessing the full asset base, not just personal income
- Applying an asset-led affordability approach rather than salary alone
- Structuring lending solutions aligned to the client’s wider objectives
- Delivering funding without requiring any investment assets to be moved
Where others see limited income, we recognise overall wealth, unlocking lending that reflects the true financial position.
Do you have clients who are asset-rich but appear constrained by traditional lending models? Let’s explore the possibilities together.
Contact Tippie Malgwi, our Head of HNW Banking, to get started.