Affirmative Finance

Affirmative Finance provide bridging finance and development loans quickly and with flexible terms, allowing them to provide tailored financial solutions.

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Max term

10k - 2m

Min/Max Loan

1st & 2nd


Affirmative Finance offer bridging loans and development finance to meet a variety of requirements, providing flexible solutions to suit the needs of their clients. Borrowers can select from a range of services, from small short-term loans to large development finance. Affirmative Finance is FCA-accredited, and offer both first and second charge loans to clients under this license.

Speed and flexibility are key to success in the fast-moving modern world, and Affirmative Finance prides themselves on meeting the needs of their clients in a timely manner. Decisions are provided quickly by their specialised team of expert underwriters, allowing their clients to seize opportunities quickly. Payment options are also flexible, and borrowers can choose a payment schedule which suits their needs; this means that loans can be tailored to fulfil the specific needs of each client, ensuring maximum satisfaction and sustainability.

Affirmative Finance do not charge upfront fees, which permits their clients to escalate their projects quickly, enabling projects to get up and running without restricting cashflow. Typically, arrangement fees are deducted upon completion of the loan, and will be discussed upon application for finance.

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Residential Property Loans

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Affirmative Finance
Affirmative Finance
7-9 St. James Square
M2 6DN

0161 822 8400

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Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What can I use a bridging loan for?

Bridging loans can be used for a wide variety of purposes. Perhaps the most common purpose is to allow you to buy a new home or business premises before you have sold your existing property. They can also be used by investors to buy property at auction, landlords to acquire buy-to-lets, developers to acquire and renovate properties and businesses to raise working capital. There are a myriad of different uses and can help to find the best loan for you.

How do I apply for a bridging loan? can help you secure a bridging loan tailored to your own unique circumstances in a matter of days. We can guide you through the entire process from initial enquiry to funds being released in the shortest possible timeframe.

What is a development finance used for?

Development finance can be offered against both residential and commercial property. Development loans are designed to help developers fund refurbishments, renovations, or conversions of existing property or to build brand new properties on a ground-up basis.

What are the key areas of development finance?

Development finance can be used for new build projects, commercial and residential developments, renovations, conversions or for the redevelopment of existing properties. Loans can be used for a vast range of different property types.

How do you determine exactly what type of development finance you need?

By assessing how extensive the project is, how long it is likely to take and how much it is likely to cost in a worst and indeed a best-case scenario. Refurbishment bridging loans will cover a majority of light and heavy refurbishment projects but for more extensive development projects including ground-up builds of one or indeed multiple units, development finance can potentially cover both the land purchase and build costs

How much can I borrow on a development finance loan?

Loans generally range from £25,000 to many millions depending on the size and complexity of the planned development. The amount that can be borrowed depends on the strength of the development proposition, the location, the potential profits, the perceived risks and of course ultimately on the lenders risk appetite.   

When is a development classed as finished?

A development scheme is usually classed as finished when the developer has received the Practical Completion Certificates.

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