The Right Mortgage & Protection Network (TRM) has appointed Afin Bank to its lender panel.

TRM’s member firms now have access to the digital institution’s range of flexible residential and buy-to-let (BTL) mortgage solutions designed to support clients whose financial circumstances may not fit traditional lending models.

The specialist lender supports foreign nationals living and working in England and Wales, professionals, self-employed individuals and clients with complex wealth profiles. It also offers mortgages with flexible solutions for first-time buyers, movers and remortgages.

Afin offers residential lending up to 95% LTV with up to six times loan-to-income for qualified professionals. Experienced contractors can apply from the start of a new contract, while self-employed applicants will be considered with one year’s accounts.

For BTL borrowers, Afin offers up to 75% LTV and will consider first-time buyers, landlords and consumer BTL with no minimum income requirement.

Afin also offers a high-net-worth proposition with a bespoke affordability approach which considers the client’s assets, investments and mixed income streams. The bank said this approach supports borrowers who may be asset-rich but income-light.

Head of lending at TRM, Victoria Clark, said: "We are always looking to expand the breadth of options available to our member firms, particularly when it comes to lenders that recognise the diverse financial circumstances many clients have today. We’re therefore very pleased to welcome Afin Bank to our lender panel.

"Afin Bank’s flexible mortgage offering and its focus on supporting clients such as foreign nationals, first-time buyers, professionals, self-employed and landlord borrowers will provide advisers and firms within our network with additional solutions when placing business. We look forward to building a strong relationship with the Afin team and seeing the positive impact this partnership will have for our members and their clients."

Senior business development manager at Afin Bank, John Smith, added: "The Right Mortgage Network has built a strong reputation for supporting high-quality advisers and delivering great outcomes for brokers and their clients. We are delighted to be launching with such a well-respected network.

"Partnering with The Right Mortgage allows us to work closely with a forward-thinking community of advisers, and we look forward to supporting their brokers with solutions that help them place more cases and grow their businesses."

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