Affirmative is a mainstay lender based in Manchester offering development and bridging finance, throughout England, Scotland and Wales.
We have been trading since 2004 and on panel with all the major mortgage networks, clubs & packagers. We are also patrons of the NACFB and a member of the ASTL.
We lend our own monies and will look at funding cases from £20,000 to £5M.
We will lend up to 75% LTV.
We will lend on a 1st & 2nd charge basis.
We offer both regulated & non-regulated loans.
We specialise in regulated self builds, barn conversions, auction purchases, un-mortgageable properties, time-critical completions, challenging planning / legal cases and other short-term solutions.
Lending across the residential, semi-commercial and commercial markets.
At Aldermore we know not all clients fit a one-size-fits-all model and require a more specialist approach.
That’s why our experienced team of manual underwriters assess each client’s circumstances on a case-by-case basis, giving us more of an opportunity to help them to find the right mortgage, whatever their circumstances.
Aldermore supports a wide range of people, including first-time buyers with low deposits, the self-employed whose finances aren’t simple and straight forward, homeowners looking for a better remortgage deal, landlords big or small looking to start or grow their property portfolio, and borrowers with less than perfect credit.
Aspen is a 100% equity funded lender, which specializes in providing rapid and reliable bridging finance. We aim to offer the gold in high-LTV bridging (up to 75%) at competitive rates
We meet every customer and take great care over every case. Quotes are issued in minutes, fully underwritten DIPs in 4 hours, and we close deals in as little as 5 days. All our underwriters are available directly by mobile around the clock.
We work closely with our valued introducers to offer them a best-in-class service which is ever improving. Our philosophy is that if a deal can be done it should be done.
Unlock your true potential with our award-winning compliance support and mortgage club.
Here at Bankhall and PMS, we've made it our mission to support you and your firm in rising to the challenges of change, while making the most of the opportunities it brings.
From increasing regulation, to advancements in technology, to shifting customer expectations, the way we work and do business is evolving. So we offer you access to tailored solutions designed for your business.
Buckinghamshire Building Society
The Buckinghamshire Building Society is an award winning, mutually owned independent Building Society, first founded in 1907. The society is based in the beautiful Buckinghamshire village of Chalfont St Giles and offers simple savings accounts to its members, as well as specialist mortgage products to customers, through intermediaries. We are dedicated to providing excellent customer service and pride ourselves on the work we do to give back to our local community.
We offer a holistic and ‘human’ approach to mortgage underwriting, allowing us to offer a niche product range to help people own a home of their own, even if their circumstances are slightly complicated. From First Time Buyers to Later Life Lending and everything in between, our aim is to help people own their dream home, no matter what stage of life they are at. We work closely and proactively with our loyal intermediaries to go above and beyond to find a solution.
Glenhawk is a principal lender, who provide swift, competitive short-term property finance, allowing clients to realise opportunities and progress developments. Loans typically range from £150,000 to £5 million, spanning the residential and commercial sectors
With a senior leadership team deeply entrenched in the real estate and financial sectors, we have a unique understanding of our clients’ challenges and offer a simple, flexible approach that makes us the long-term partner of choice for short-term property finance.
Hodge is a specialist lender with more than 50 years’ experience. We’re driven by innovation, launching the first equity release product in 1965, and now offering the full range of later-life lending options.
We pride ourselves on delivering personal service and direct access to our expert underwriters. Our Specialist Lending Support team and regional BDMs ensure the application process runs smoothly. For us, no case is too complex, and we strive to help brokers place difficult cases
As a specialist lender with the strength of a bank, HTB offers what others can’t. It has the power to help you deliver bespoke and complex funding solutions, working with its dedicated specialists at each stage. HTB aim to bring transparency, flexibility and expertise to each deal: as part of this, they constantly innovate and expand their proposition to reflect market volatility and borrowers evolving needs.
The lender’s specialist buy-to-let and semi-commercial offering extends to limited companies, expats, trusts and offshore as well as foreign nationals. It lends on large and small portfolios, holiday lets and HMOs, as well as serviced accommodation, sitting tenants, new build flats and purpose-built student accommodation. HTB also provides residential and commercial bridging solutions.
Kent Reliance for Intermediaries
As a leader in the specialist intermediary mortgage market, Kent Reliance for Intermediaries offers a range of buy to let and residential products that help brokers with cases that may not fit the criteria of mainstream lenders.
Providing unrivalled personal service using a national network of business development managers, it’s perfectly placed to help brokers navigate challenging cases. Its large underwriting team assess each case individually, applying flexibility and common sense to ensure brokers can access best-suited products.
Last year the business received a suite of awards, including Best Lender for Buy to Let at the L&G Mortgage Club Awards and Specialist Buy to Let Lender of the Year at the SFI Awards. It also received a five-star rating at the Financial Adviser Service Awards 2020, which was voted for by brokers.
Kent Reliance for Intermediaries, along with Precise Mortgages and InterBay Commercial, are specialist lending brands of OSB GROUP PLC.
Market Financial Solution
Market Financial Solutions provides a range of flexible, fast bridging loans to intermediaries.
It lends short-term bridging finance in a prompt and professional manner, ensuring clients have the capital required to fund the acquisition, refinancing or refurbishment of their property.
Loans can be completed in as little as three days, and you will receive terms within hours of your enquiry.
MFS provides healthy introducers fees to its network of intermediaries and commission payment for the lifetime of the relationship with the client, even if they approach the lender directly in the future.
It operates in the residential, semi-commercial and commercial bridging sectors and have just entered the buy-to-let mortgage sector. They support individuals, limited companies, SPVs and offshore trusts.
MFS understands that no two bridging finance circumstances are ever the same, going above and beyond to provide the solution that suits your client’s requirements.
Pepper Money is a multi-award-winning specialist lender offering residential, Help to Buy, Shared Ownership and Buy to Let mortgages exclusively through intermediaries.
At Pepper Money, their driving principle is financial inclusion underpinned by their human approach to underwriting, enabling them to build a truer picture and reach a fairer outcome for your customers.
They pride themselves on their ability to look beyond the numbers on a credit score, and its specialist team of skilled, manual underwriters review each case on its own merits.
With broad criteria, competitive pricing and a positive lending attitude, Pepper Money can help you help more of your customers. From first-time buyers and the recently self-employed, to those with adverse credit or complex incomes.
As one of the UK’s leading specialist mortgage lenders, Precise Mortgages delivers innovative residential, buy to let, bridging and second charge loans, which are available solely through a nationwide intermediary base.
Precise Mortgages has been helping customers underserved by high street lenders or those with a less-than-perfect credit profile since its launch in 2010. It aims to broaden the criteria for mortgage approval to support home-owning aspirations and buy to let entrepreneurialism. Its award-winning range of loans is designed to help your customers get the mortgage or loan they need as quickly and easily as possible.
The business received a suite of awards throughout 2020, including Best Specialist Lender at the L&G Awards, Specialist Lender of the Year at the Mortgage Introducer Awards, and three prizes at the Mortgage Strategy Awards 2020, including Best Short-Term Lender. It also received a five-star rating at the Financial Adviser Service Awards 2020, as voted for by brokers.
With award-winning, technology-driven underwriting and credit risk management processes, Precise Mortgages can be more expansive than high street lenders in its mortgage and loan approvals – serving and providing solutions for those underserved by mainstream lenders.
Precise Mortgages, along with Kent Reliance for Intermediaries and InterBay Commercial, are specialist lending brands of OSB GROUP PLC.
Launched in 2009, SortRefer is a free online portal for mortgage brokers and independent financial advisers. The system allows for advisers to use the portal in a self-service style; creating client-facing quotations in seconds, instructing the piece of business, and tracking the progress from start to finish. We have additional products to support our clients with their business to enhance the service provided to their clients, for example Surveys, Valuations and Wills. SortRefer is part of a wider branch: Sort Group, which also includes Sort Move (a bespoke online portal for estate agents) and our own CLC law firm, Sort Legal.
The Loughborough Building Society
The Loughborough for Intermediaries offers a product range designed to help your clients whether they are first-time buyers, movers, remortgagors, building their own home, investing in buy-to-let, seeking an interest-only mortgage in or into retirement, and those who need a 100% LTV solution.
With no credit scoring, individual underwriting, a dedicated BDM and broker desk support for every broker, the focus is on helping you help your clients from the First Time to Later Life.