Standard Bridging Finance     100% Ltv residential property   85% Ltv commercial property   Min loan amount £50,000 – no upper limit   All areas considered   2% arrangement fee   No exit fees   Decision within 24hrs

Development Funding     75% Ltv of GDV   Rates start from 1.5% per month   Bridge re-mortgage   Flat fee of 1.5%

About Positive Finance

Positive Finance was launched in February 2006 following the success of its sister company Positive Equity (a specialist property investment group) and has quickly become a leader in most aspects of property related finance.

We provide short to mid term funding for a variety of property related investment purposes. Every month, thousands of UK homeowners and landlords are using bridging loans or short term finance to raise capital pending the sale of a property.

A bridging loan is used for short term funding and is probably the most under used form of financing. A bridging loan can provide fast access to funding with the minimum of formalities. Bridging finance can be used in a number of different circumstances,one of the most common usages being purchasing a new property before the present one is sold (hence the term - "a bridge").

With bridging finance, the loan will always be secured against residential or commercial property. A first or second charge will be taken against new or existing property, or a combination of both. Bridging is much quicker to arrange than a normal residential mortgage; on average 3-5 working days from first enquiry to completion

Our bridging loans are suitable for clients that have credit problems or are in arrears on current finance. We are here to solve problems not judge or create more headaches for you. You can be safe in the knowledge that your bridging loan is in the hands of experts; we care about our service and you wont be sorry you contacted us.

We now have a product that enables you to secure up to 100% finance. We will lend 75% of the end value and proportion the finance between the purchase price and the build cost.

This goes for projects up to a 1.5 million, such: as barn conversions, change of use, converting houses into flats or HMO’s, or just a straight forward house refurbishment for both residential and commercial property.

We have a number of property traders that use our finance time and time again, enjoying the benefit of less red tape than the banks. Obviously the rates are higher than the main stream banks, but that’s reflected in the flexibility of our product.