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    About Us

    We are a mainstay lender in the short-term finance market with over 15 years worth of experience. We have provided bridging and development loans that have helped property developers, property investors, self-build enthusiasts, financial intermediaries, and many other businesses and individuals when they needed it most.


    All Case Studies

    Rescuing a 12-house project

    An established building company approached us after a sudden funding issue arose and stalled the completion ...

    Helping to save a property purchase

    A client came to us for help in purchasing a property abroad. He had found himself in a position to retire e ...

    Saving a right-to-buy purchase

    We were approached by an intermediary that had a customer who had been let down by a conventional mortgage p ...


    All News

    ‘Buy for Uni’ property for children?

    Your child has their place at university and is moving into halls but what about longer term? Have ...


    Are Barn Conversions without planning permission the future?

    In July 2023 the government launched a consultation, which includes proposals to relax planning re ...


    A Guide to Building the Perfect Property Portfolio

    A Guide to Building the Perfect Property Portfolio (Videos) Here, we explain how preparation, a ...


    When might you require a bridging loan?

    Bridging loans can be used for a wide variety of situations:

    The banks have let you down

    A short-term problem with funding appears

    You need to quickly find the funds for a project

    A property is not mortgageable through a high street lender

    At such times, bridging loans are available for residential property, commercial property, mixed-use property, land and more.

    Our aim is to make sure you get the exact type of funding you require, which suits your project and situation.

    We hold all the necessary authorisations to cater for your needs and requirements including consumer buy to let loans.


    When might you require development finance?

    Our development finance is not just for large projects. All developments, large and small are welcome:
    Building a home to live in
    Converting a property into flats
    Building out a multiple unit site into houses/flats
    Using land you already own including your current garden to build another house to sell for profit
    Our experience in structuring and providing such development finance is second to none. Not only do we provide the finance but we add real value to the process.


    Regulated short-term finance

    To offer you the right kind of loan, we co-operate and work with regulatory bodies and associations throughout the whole industry. We are:

      A Member of UK Finance
      Authorised and Regulated by the Financial Conduct Authority
      A Patron of the National Association of Commercial Finance Brokers
      A Member of the Association of Short Term Lenders

    We have a proven track record with our customers – see our case studies for more information.

    We offer:

      1st or 2nd charges
      Up to 100% funding for your project in the right circumstances
      Staged facilities to draw monies at agreed intervals, so you only pay interest on monies drawn
      No up front application fee, and no other up front fee payable to us (unlike many other lenders)
      Decisions in principle within hours of application

    Common types of finance we fund and provide:

    We will balance a loan with your needs to help your plans and dreams become a reality.


    Obtain your bridging or development loan now

    Get in touch with our Manchester office by calling 08000 44 84 84, by emailing enquiries@affirmative.co.uk, or by using online chat. Direct access to our underwriters is always available.

    If you are applying for a regulated mortgage contract you will need to submit your application through an intermediary that is authorised and regulated by the Financial Conduct Authority.