Afin Bank partners with Westcor International to accelerate mortgage completions with Perfect Title Insurance
13 April 2026
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.
Westcor’s experience in structuring solutions for complex transactions, combined with its established broker and lender network, made it a natural partner for Afin Bank as it continues to scale its lending propositions.
Delivering speed without compromising on protection
Perfect Title Insurance provides lenders with financial protection against specific title risks, allowing them to proceed with confidence while removing unnecessary delays from the process.
Importantly, the solution does not remove risk, but transfers it, ensuring that lenders remain protected while transactions progress at pace.
For brokers, this creates greater certainty and control over timelines. For borrowers, it reduces the risk of delays or failed completions. For lenders, it supports improved efficiency and faster capital deployment.
Rob Lankey, National Sales Director at Afin Bank, said:
“Afin has built its proposition around supporting borrowers who do not fit a standard lending model, where a more bespoke and responsive approach is essential.
“By working with Westcor and incorporating Perfect Title Insurance into our process, Afin is able to reduce delays at a critical stage of the transaction and provide a smoother route to completion for our brokers and their clients.
“It allows us to deliver a lending experience that better reflects the complexity of modern borrower profiles, while maintaining the standards and oversight required of us as a lender.”
Christopher Taylor, Corporate Development Director at Westcor International, added:
“As lender requirements evolve, we are seeing a clear shift towards solutions that remove friction from the completion process without introducing additional risk.
“Perfect Title Insurance is designed to address that challenge, enabling specific elements of the conveyancing process to be replaced with an insurance-backed solution that protects the lender’s position.
“Partnering with Afin reflects how forward-thinking lenders are adapting their approach, combining strong underwriting with more efficient transaction structures to support a broader range of borrowers.”
