by Nicky Wright | Oct 30, 2026 | News
For self-employed clients, fluctuating income, business expenses, and household commitments can make it difficult to cover a large tax liability in one payment, even where substantial equity is held in a property. A second charge mortgage could offer a suitable...
by Nicky Wright | Oct 29, 2026 | News
First-time landlords are becoming an increasingly common part of the buy-to-let (BTL) market, yet many of cases are still approached with unnecessary caution at broker level. A persistent myth is that BTL lending is designed primarily for experienced portfolio...
by Nicky Wright | Oct 23, 2026 | News
When a client is looking to borrow in later life, the conversation can quickly turn to RIO mortgages and equity release. Both can help older homeowners access borrowing, but they work in very different ways. The right route will usually depend less on the...
by Nicky Wright | Oct 23, 2026 | News
A default, missed payment or County Court Judgment from several years ago does not necessarily mean a client cannot get a mortgage. However, it can make the case more complicated. The options available will depend on what happened, how long ago it occurred,...
by Nicky Wright | Oct 15, 2026 | Case Study
The Client Background A broker approached Positive Lending on behalf of a client looking to raise funds to consolidate debts that had built up over time, including borrowing used to fund extensive home improvements and unexpected car repairs. The client had been...
by Nicky Wright | Sep 17, 2026 | Case Study
The Challenge Our returning client had completed construction works on a block of 18 self-contained flats and reached the point of needing to exit the original bridging finance agreement. To keep their expansion momentum going, they wanted to stretch the borrowing as...
by Nicky Wright | Sep 17, 2026 | Case Study
The Client Background A mortgage broker approached Positive Lending on behalf of a client looking to consolidate debts accumulated through home improvements and a car purchase. Remortgaging was not an option because the client was tied into their existing mortgage...
