Affirmative Mortgages
Affirmative Mortgages

Affirmative Mortgages

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.

Proc Fees

Product Gross Net
Bridging, Constructive Lending, Self Build 1.50% 1.45%


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Register to place business with Affirmative Mortgages:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


Affirmative has embedded fair treatment of customers within the business. They look at each case on its own merits 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 charge on residential, 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 price

Constructive Lending

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.