Afin Bank has partnered with Westcor International to introduce Perfect Title Insurance into its mortgage offering, supporting a faster, more efficient route to completion for borrowers with complex financial profiles.
The partnership will see Afin Bank integrate Westcor’s Perfect Title Insurance into its lending process across England and Wales, reducing reliance on elements of the traditional conveyancing process while maintaining robust protection for the bank.
Perfect Title Insurance enables lenders to proceed without waiting for certain legal checks to be completed in full, replacing delay-prone stages with an insurance-backed solution. This allows transactions to move forward more quickly, without compromising risk management.
For borrowers, this means a significantly faster route from offer to completion. For brokers and lenders, it creates a more streamlined process with fewer delays, lower friction, and improved cost efficiency.
A timely solution for a changing lending market
The partnership comes at a time when traditional mortgage processes are increasingly under pressure.
Borrower profiles are evolving, with more individuals falling outside standard income-based assessments, including high-net-worth customers with complex asset structures, self-employed professionals, and those with multiple income streams.
At the same time, the conventional conveyancing process remains highly sequential and checklist-driven, often creating delays that can impact completion timelines and certainty in the transaction.
Afin Bank has built its proposition around addressing these challenges, offering a more bespoke, manually underwritten approach designed to support any underserved borrower who finds it challenging to get a mortgage with mainstream lenders, including high-net-worth, self-employed and diaspora clients working in the UK on a valid work visa. Its use of technology and specialist partners enables faster, more flexible decision-making aligned to real-world financial circumstances.
By incorporating Perfect Title Insurance, Afin Bank is further strengthening its ability to deliver a responsive and efficient lending experience.
A partnership built on alignment and expertise
Westcor International is one of the longest-established providers of title insurance for lenders in the UK, with a specialist underwriting approach and a detailed understanding of lender requirements, funding structures and broker workflows.
The partnership reflects a strong alignment between the two organisations, both of which are focused on providing solutions for customers who are not well served by traditional, process-heavy lending models.
