FCAAuthorised & Regulated · No. 943426 · Lending in the United Kingdom and internationally since 2016
Home/ Personal Loans/ Property Purchase

Property loans for the homes you choose.

Borrow up to £2.5 million for your first home, your next home, or your investment property — in the UK or internationally — at our flat 1.5% APR.

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What our property loans can fund

Whether you are stepping onto the property ladder, expanding your portfolio, or buying a holiday home overseas, our property purchase loans are structured to make ownership accessible and affordable. The same flat 1.5% APR applies whether the property is in Bristol or Bordeaux.

We finance freehold and leasehold residential property, second homes, and buy-to-let investments. The loan-to-value ratio depends on the property type and jurisdiction, and is determined as part of your initial conversation with a relationship manager — not by an algorithm.

Who this loan is for

  • First-time buyers ready to step onto the property ladder
  • Existing owners moving home or upsizing
  • Buyers of second homes, holiday homes, and overseas property
  • Buy-to-let investors building a small or medium portfolio
  • Self-employed and international applicants overlooked by traditional lenders
  • Borrowers refinancing existing high-rate property debt
ASAF Lending made my dream of buying a second home in Andalucía possible. The 1.5% APR was almost unbelievable until I read the contract. — Amelia B. · property purchase, £680,000 · London, UK

How the application works

You begin with our online application — about three minutes — providing your personal details, the property you intend to purchase or refinance, and your repayment preference. We perform a soft credit search at this stage, which has no impact on your credit score.

Within one working day, a relationship manager will be in touch to introduce themselves, review your file, and ask any clarifying questions. They handle your application from this point through to completion.

For property purchases, we typically require an independent valuation, proof of income, and (for international applicants) supporting documentation in your country of residence. Your manager will guide you through what is needed for your specific case.

An offer in principle is typically issued within five working days of a complete application. Once you accept the offer and we receive the necessary legal documentation from your solicitor, funds are transferred on the day of completion.

Flat 1.5% APR

Same rate for first-time buyers and seasoned investors. No tiers, no introductory teasers, no postcode lottery.

International accepted

Lend in 28 countries. UK and international applicants reviewed against the same fair criteria.

Five currencies

Receive funds in GBP, EUR, USD, CNY or AED — match your loan to the currency of the property you are buying.

The process

From application to funded,
in four steps.

Each step has a defined timeline and a real person attached to your file. No black-box scoring, no run-around.

1
Apply

~3 minutes online

2
Review

Manager calls within 24 hours

3
Decision

Up to 5 working days

4
Funded

Same day on completion

Frequently asked

The honest answers,
before you ask.

Yes. We lend on residential property in any of our 28 supported countries. The application process is the same and the rate is identical. Your relationship manager will guide you through any country-specific requirements such as local valuations or notarisation.
LTV is determined case-by-case based on the property, jurisdiction, and your overall financial profile. We are typically able to offer up to 80% LTV on UK residential property and up to 70% on international purchases. Your relationship manager will confirm this in your offer.
Yes. If you currently hold a mortgage at a higher rate, our 1.5% APR property loan can be used to refinance the existing balance. We do not charge for switching to us, and there are no early repayment fees if you decide to refinance away later.
Once your offer is accepted and your solicitor has the necessary documentation, completion typically takes 4–8 weeks for UK property and 6–12 weeks for international property, in line with conveyancing timelines in the relevant jurisdiction.
No. We do not charge an arrangement fee, application fee, or setup fee. The advertised 1.5% APR is the cost of the loan. Your only other costs are those charged by third parties (valuer, solicitor, land registry) which we will detail upfront.

Begin your property loan application

Three minutes online to start. A relationship manager within 24 hours. A decision in principle within five working days.

Begin your application → Speak to our team