Latest News: Prosper Opens New Doors with Afin Bank — Mortgages for International & Complex Profiles

Why Afin Bank Stands Out

1. Mortgages for Foreign Nationals & Visa Holders

Many lenders shy away from clients with passports from outside the UK. But Afin Bank’s mission is to make financial access possible for clients from anywhere in the world, as long as they’re living and working in the UK on a visa.

• Minimum 6 months’ UK residency required (for both residential and buy-to-let).



•  Even if your visa has fewer than 6 months left, as long as you’ve applied for renewal, you can still be eligible.

2. Self-Employed? You’re In

No more being penalised for diverse sources of income. Afin’s underwriting is commercially focused, meaning they’ll look at multiple income streams, director’s loans, net retained profit, or even forecasts provided by your accountant. This is a huge step, especially for contractors, business owners, or those with irregular earnings.

3. Professionally Qualified Boost

If you’re a nurse, teacher, IT professional, or hold other recognised qualifications, Afin extends enhanced criteria to you:

• Up to 90% LTV, which reduces the deposit burden

• Up to 6.5× income — giving you more borrowing power

4. Overseas Help with Deposits

Need a deposit but your family is abroad? No problem. Afin accepts deposits from overseas family members subject to due diligence, making it easier for clients with international support systems.

5. Flexibility in Purpose & Transactions

Afin allows remortgages for many purposes:

• 100% debt consolidation

• Business use

• Tax bills

• Property investment

They also permit first-time buyers, first-time landlords, consumer buy-to-let, and let-to-buy conversions where letting and buying don’t happen simultaneously.

6. Bespoke Affordability for High-Net-Worth Clients

If you have significant liquid or illiquid assets — beyond income alone — Afin can factor those into your affordability. This opens doors for high-net-worth individuals whose wealth isn’t just based on salary.

What This Means for You (Or Someone You Know)

• More people can qualify — even if you’re not a “typical” borrower (visa holder, non-UK origin, self-employed).

• Lower deposit hurdles — up to 90% LTV and overseas deposits help bridge gaps.

• Stronger borrowing capacity — 6.5× income is significantly above many standard lenders’ limits.

• Greater flexibility — whether you’re remortgaging, consolidating debts, or investing in property, Afin gives you options.



• Support for professionals — your qualifications could unlock better terms than you expected.

Watch Outs & Considerations

• Higher rates between lenders might offset the convenience — always compare total cost, not just headline rate.

• Visa renewal is essential — ensure you can prove your renewal application if your current visa is nearing expiry.

• Overseas deposit funds will require thorough documentation and due diligence from Afin’s side.

• While the underwriting is flexible, scrutiny remains strong — you’ll still need credible financials and evidence.

If you or someone you know has faced obstacles in getting a mortgage due to visa status, overseas origin, or complex income, let’s talk. With Afin Bank now in our panel, we have an incredible new tool in our toolkit — and I’d love to see how we might put it to work for you.

Want to see what you might qualify for? Simply drop me a message or let’s schedule a call, and I’ll run through options tailored to your situation.

Here’s to making home ownership more accessible — for everyone.

Warm regards,

Suhani Gulati

Prosper Mortgage Solutions Ltd

“Your home may be repossessed if you do not keep up repayments on your mortgage.”