HLPartnership (HLP) has added Afin Bank to its lender panel to give advisers an option for cases that may fall outside more traditional lending models.

Afin Bank supports a range of borrower circumstances, including first-time buyers, self-employed applicants, professionals, high-net-worth clients and foreign nationals living and working in the UK on a valid visa.

HLP is a mortgage and protection network that supports over 1,200 advisers nationwide, providing its members with access to mortgage, protection, and general insurance products.

This will now include Afin Bank, which offers residential lending of up to 95% loan-to-value (LTV) and supports cases involving one year’s accounts for self-employed applicants, contractor income, income projections in certain scenarios and bespoke affordability assessments for high-net-worth clients.

Afin Bank also offers buy-to-let products of up to 75% LTV, including options for first-time landlords and consumer buy-to-let cases.

“Advisers are working with an increasingly broad mix of client circumstances, so access to lenders with greater flexibility is important,” commented propositions director at HLPartnership, Matt Brown.

“Afin Bank adds another option for members placing cases involving self-employed income, contractor status or more complex wealth positions. Broadening our lender panel in this way helps advisers meet client needs more effectively and supports good consumer outcomes.”

Senior business development manager at Afin Bank, John Smith, added: “This collaboration reflects a strong alignment in our shared commitment to supporting brokers with flexible, solutions-driven lending.

“HLP advisers will benefit from our pragmatic and tailored approach for clients who do not fit the tick-box approach taken by many lenders, such as foreign nationals seeking a 95% LTV mortgage as first-time buyers, self-employed applicants, people with multiple income streams and ‘income-light’ high-net-worth cases.

“With our competitive propositions, which currently include free legal fees on remortgages for successful applications submitted before the end of May, we’re confident this partnership will help HLP advisers deliver greater value to their clients.”

---