Being a mortgage professional is often seen as a numbers game – rates, LTVs, affordability, timing. But this industry is about far more than figures. At Positive Lending, we see every referral as a real person with a real story and an opportunity to make a meaningful difference.
💗 Specialist Lending with Heart
We don’t shy away from complexity, we welcome it. From distressed borrowers and urgent auction deadlines to families facing financial crisis, we combine expertise, whole of market access, and genuine empathy into delivering positive outcomes every time.
🏡 Saving a Home from Repossession
A recent case involved a family on the brink of losing their home. After falling into arrears, their direct-to-lender remortgage application was declined. With a court date fast approaching, repossession was just days away.
That’s when their mortgage broker turned to Positive Lending.
Leveraging our deep lender relationships and exclusive product access, we secured a solution just in time, completing before the court date and keeping the family safely in their home.
We offer both regulated and unregulated options, with funding available for clients who don’t meet traditional income or credit criteria. Where speed and flexibility are paramount, bridging loans can be a powerful tool in your adviser toolkit.
“If they hadn’t come to Positive, the property would have been repossessed.”
This isn’t just lending. It’s lifesaving.
💘 Lending that Changes Lives
In another case, a family burdened by £28,000 of unsecured debt and caring for a seriously ill daughter was refused a further advance with their mortgage lender due to their credit score. With monthly debt repayments exceeding £700, their financial and emotional wellbeing was being stretched to breaking point.
Positive Lending arranged a second charge mortgage that cut their monthly credit commitments by almost £500 per month, providing them with some much-needed breathing space and all from application to offer in just six days.
“We don’t just find solutions. We restore hope.”
🎄 A Bridging Solution Delivered Just in Time
When a couple fostering adults with learning difficulties won an auction for their new home, their plans were thrown into jeopardy after spray foam insulation was flagged during the valuation. With just two weeks to complete, and Christmas fast approaching, time was running out.
We secured two bridging loans across the sale and purchase properties, completing just five days before Christmas. The family moved in with time to spare and were ready to welcome their fourth person into care by the New Year.
“It wasn’t just a bridge, it was the foundation of a new beginning.”
❤️ Why Brokers love Positive Lending
Our service goes beyond packaging. It’s about partnership, compassion, and delivering outcomes that matter far beyond spreadsheets.
☑️ Fast turnaround times from enquiry to offer in days, not weeks
☑️ Direct access to underwriters and exclusive referral-only products
☑️ Genuine empathy and broker-first support
☑️ Expertise in handling vulnerable clients and time-critical cases
☑️ Calm, confident solutions, even when repossession is on the line
☑️ Customer fee focused approach that still delivers competitive broker commission
Helping brokers say “yes” when others say no is what we do and why we love this industry.
Together, we can write your next client success story.
Get in touch today by simply CLICKING HERE to fill in our contact form and one of our expert team will get back to you!