​​​​​Affirmative has been established since 2004 and is recognised as being a mainstay in the UK bridging, short-term and development markets. Affirmative is a member of the Council of Mortgage Lenders, and is authorised and regulated by the Financial Conduct Authority. Affirmative prides itself on finding solutions for intermediaries by utilising innovative ideas.

Procuration Tables

Gross fee paid by lenderProcuration fee to intermediary

Bridging, Constructive Lending, Self Build    ​1.50%

All information correct as at 23/01/2019

Bridging, Constructive Lending, Self Build         1.45%*

*Affirmative also allow you to charge a fee on Bridging,
which is added to the loan and paid on completion

All information correct as at 23/01/2019


Affirmative has embedded fair treatment of customers within the business. They look at each case on its own meri​ts and work to tight timescales for loan completion. Affirmative can provide secured, bridging, short-term and development finance within the following parameters:

  • £10,000 minimum, up to a maximum of £5 million
  • 75% LTV or higher in some cases
  • Flexible rates from 1% per month
  • Staged facilities with interest only charged on the monies drawn
  • 100% of purchase price, build and refurbishment or development costs
Affirmative will lend by way of 1st or 2nd cha​rge on r​​esidential, semi-commercial and commercial properties (including land).

Affirmative offer a versatile product range which can be utilised for the following purposes / properties:
  • Auction purchases with pre-auction bidding facilities agreed
  • Buying before selling
  • Regulated self-build projects
  • Development projects (multiple units)
  • Refurbishment projects
  • Renovation projects
  • Mortgage retentions i.e. no kitchen or no bathroom
  • Non-standard construction
  • Barn conversions
  • Lease extensions
  • Tax bills
  • Quick completions: benefit from discounted prices
          On-line applications can be made at :

Constructive Lending is a brand of Affirmative Finance, one of the leading short-term finance houses in the UK for the last decade. The provision of self build finance has become a core element to their business and they have become the first port of call for many intermediaries seeking such finance.​


7 St James Square
M2 6XX

For enquiries



Ian Harrison : 07786 370 523 - Operations Director Jade Esterkin : 07958 000 525 - BDM                    ​​ ​

Registration process

To register please contact Ian Harrison, Affirmative Operations Director on: 07786 370 523.