From a humble serviced office to our own purpose built office, we have certainly seen it all. After one recession, a pandemic, 6,000 completions and more than 200,000 tea bags (easily!) we are now at the forefront of the intermediary market for packaged and advised service propositions. But it didn’t start that way…


After 15 years of various management roles across two lenders, Paul left GE Money. Working within an established lender environment is good, great in fact, but not if you dream of being dynamic, of creating a culture where you feel more than a number and of adding serious value to your clients. Dawn was working with Black Horse Finance as a second mortgage underwriter.


Paul Launched Positive Lending, originally known as Positive Lending Solutions, focusing on second charges and unsecured loans. Starting with a yellow pages and a phone, the first thought was a PC. By the end of 2006 Positive Lending had 9 staff, including Dawn and had simply outgrown our serviced office at Anglo City House. We launched our first publication, Positively Speaking, a 16 page specialist newsletter as an insert into 3 magazines – the first of its kind.


Positive Lending launches into the intermediary market and moves to Heron House in Bournemouth.  We created a business that thrives on driving the best solution for intermediaries and their clients; investing in an expert team, cutting edge technology and delivering more than just a packaging solution.
We win our first award, collecting the Mortgage Introducer Secured Loan Packager of the year award.


As the recession hits Positive Lending did not escape the harsh reality of arranging loans in a specialist market and the staff count reduced from 27 staff to just 2. Heron House was replaced by a serviced office again as we fought to survive.


We won our first contract with Mortgage Intelligence and Mortgage Next, with whom we are still proud to partner. Our first loan completed within a week of an “ask the expert event” and Paul fondly remembers being the last person to leave the office at Roddis House due to the volume of enquiries received that day. This was the first of many network and mortgage club contracts we have in place today, but you never forget your first!


We attend our first ever network conference at Celtic Manor with Mortgage Intelligence.  Our proposition to their members expands from ‘bridging loans only’ to a multi-product solution and turnover trebles. Staff numbers increase to a whopping……4.  Paul raises over £3,000 for the NDCS by trekking to Everest Base Camp.


Positive Lending is acknowledged at the Mortgage Intelligence Annual Conference as ‘Best Specialist Partner’ – a feat that is repeated in 2012.


Following a full tender of over 20 firms, Positive Lending secures the contract with SBG to support their Sesame and PMS brands.
To support the networks, we recruit our first Regional Account Manager.  Positive Lending also launches ‘360 Loan Sourcing’, our first version of a multi-product sourcing system for advisers.


Positive expands its national salesforce, recruiting Jaxon Stevens, to steer the team and support our network partners directly.  LSL Property Services (now PRIMIS) partner with us for their Pink, First Complete and TMA brands.

Precise launch a key intermediary dinner where we collect the ‘Best Bridging Broker Award’ (it won’t be the last!) Positive also hit the spotlight with the Mortgage Strategy award for ‘Best Bridging Broker’.


Positive throws its first ever summer party.  Lenders and networks are invited together with their families – it’s always been about family at Positive.

This year we are proud to win Business MoneyFacts’ ‘Bridging Finance Introducer of the Year’, Shawbrook’s ‘Network Specialist of the Year’, Mortgage Strategy’s ‘Best Bridging Broker’, and Paul receives a personal accolade as ‘Best Specialist Innovator’ from Precise Mortgages.


At their National Conference, Sesame recognises Positive as their ‘Best Specialist Partner’. We also win at the Business Moneyfacts Awards, Precise Key Intermediary dinner and Strategy Awards, collecting an unprecedented 3 consecutive awards for ‘Best Bridging Broker’.

Stonebridge Mortgage Network partner with Positive for second and bridging finance.

The Positive Party is a huge success with over 130 guests attending.


What a year!  A business highlight was winning the contract to support the Intrinsic brands (now known as Quilter) and we begin a 6-month campaign to support their intermediaries face-to-face through our national team.

We win 3 awards at the NMAs and a double at the Precise Key Intermediary dinner.

We launch our first series of webinars to our network partners.  To support growth Positive Lending take ownership of Positive House, with capacity for over 70 staff although we move with 27!


We win the ‘Best Secured Loan Broker’ award at the Mortgage Strategy awards for the first time.

Positive Lending receives the award for ‘Best Bridging Broker’ from Precise Mortgages at their key intermediary dinner in December.

TMA recognises Positive as their best Specialist Partner at their national conference.  Away from work the team perform well at the Octane national football event at Wembley.


Another first for Positive Lending as we receive the double at the Mortgage Strategy Awards, winning ‘Best Secured Loan Broker’ and ‘Best Bridging Broker’, as well as being shortlisted at the Business Moneyfacts awards and the Financial Reporter awards.

The Positive team continues to grow with some great new hires across Broker Support, Underwriting and Specialist Lending.


A year that in some ways we would love to forget, but there were highlights too.  The highlight was the tender success, fought for nationally, to join the panel of Openwork for second charge, first charge and bridging finance. Positive obtained the hat trick – for the third year running our attitude to protecting clients in the second charge market was recognised at the Mortgage Strategy Awards and we become the first to win this accolade 3 times.  Kieran Jenner is recognised at the Specialist Lending Awards as the best Second Charge Advisor in the UK, 

whilst Nicholas Webb is shortlisted for bridging advisor.  The company celebrates with fish and chips as everything is virtual. 

The pandemic hits and scuppers the Openwork launch – but our tenacious teams became educators through many multi-channel online training sessions leading the way in driving value for intermediaries through education.  We recover – slowly – and our mortgage book explodes due to government initiatives.  Our team adapt to home working seamlessly.


We launch our development finance proposition to the market, writing our largest loan to date at just short of £20million plus review our mortgage packaging proposition resulting in a 600% growth in this market.  Nominated for several awards we win the best Bridging Packager award with Precise Mortgages.  2 of our advisors, Nick Webb and Kieran Jenner (again) are nominated and shortlisted in the British Specialist Lender Awards.


Our Second Charge Mortgage desk grows by 300% & our commercial mortgage proposition doubles resulting in what will be our most profitable year on record. We acquire a loan packaging business & following integration into our business, expand our offering to some key intermediaries in the market. Our Summer party took us to Royal Ascot, and Gareth Colston and Jake Ralph are finalists at the British Specialist Lender Awards. We launch a tender to improve our technical capabilities and build ready for its launch at the end of Q4 2022. 


2023 saw Positive Lending hit the road with our Specialist Lending Roadshow, venturing to some of the nation’s iconic sporting landmarks to share meaningful face-to-face discussions with brokers about our shared passion – specialist lending. Our trophy cabinet grew as we were recognised for 3 industry awards, picking up Mortgage Strategy’s ‘Best Second Charge Broker’ & ‘Best Short-Term Broker’ and ‘Best Specialist Distributor’ at this year’s Bridging and Commercial Awards. Recognition from our peers we are proud of and a reflection of Positive as a respected master broker and the hard work and excellence delivered from our internal and field-based teams.


Our unwavering commitment to customer-centric practices took a significant step forward this year as we embraced the new Vulnerable Customer and Consumer Duty policies. September marked a momentous occasion as Positive Lending celebrated its 15th birthday, an impressive milestone that speaks to our enduring presence in the industry. In that time our team has processed over 10,000 cases and completed more than £3billion in new business. As we reflect on changes that both the company and the industry have experienced, we are truly grateful for the support of our lenders, our customers and brokers, and look forward to many more successful years to come.


We have contracts with over 9,000 Appointed Representatives and signed Introducer contracts with 3,000 Directly Authorised firms. This makes us feel immensely proud, especially when I recall Dawn and I sat waiting for the phone to ring for that very first time, and again following the credit crunch!

And we support intermediaries not only over the telephone but face-to-face too, with nearly 3,000 visits made by our Regional Account Managers in just 12 months.  We like to go the extra mile.

Most importantly, we have surrounded ourselves with a team that most businesses would be envious to have, passionate individuals with copious specialist lending experience and a fierce determination to deliver perfect service.  It is our team’s passion for excellence that makes Dawn and I feel positive, every day.

Lender Panel

Intermediary Partners

Expert Team


Ultimately we exist to help you provide the best outcomes for your clients and help you complete more business.

As the UK’s leading specialist packager, we promise you:

  • Your client will be given the very best rate for their circumstances, every time
  • We will provide market leading exclusives in our chosen markets
  • You can gain the very best commission package for your referral
  • We will release commission within 24 hours of funding
  • You can source product options online or by contacting our broker support team
  • You will deal with our dedicated, expert teams from application to completion
  • We will ensure you are updated on your cases in real time
  • We can attend your offices to assist you create more opportunities for your clients
  • We continue to invest in our team and systems to offer the very best service to you
  • Your client remains yours. We will not engage with your client for anything else.


Every year we assist over 3,000 intermediaries with their specialist enquiries. Our unique approach to customer-centric funding is at the core of everything that we do. That is why we are the partner of choice for many lenders, networks and key brokers.

Work with Positive Lending and you will gain exceptional support from our:

  • Regional Account Management team, visiting over 3,000 intermediaries per year
  • Broker Support team, quoting over £1bn new enquiries per year
  • Business Development Managers, with over 100 years’ combined experience
  • Underwriters and Sales Support teams, who we consider the engine room of our business
  • Dedicated compliance team ensuring your clients are always treated fairly
  • Marketing team, with over 60 years’ experience in the specialist lending sector.

Expect the very best in exceptional customer service, from the best specialist broker in the UK.


The Positive team is incredibly proud to have been recognised with numerous industry awards and nominations; which is all due to the expertise and hard work of our dedicated team. We can’t wait for you to benefit from our award-winning service.


Matt Vincent, Declan Thomas, Nick Shephard & James Alexander were all exceptional!! Very informative. Communication was excellent and response was prompt. We will be doing business with you all going forward. Hope your customer services stays that way.

Our case wasn’t exactly plain sailing but that was no fault of the staff at Positive Lending. They always fought our corner and kept us fully informed. I can’t praise Gabbie enough, she has been wonderful often going above and beyond to help us. Thank you!

I would to thank a great member of your company for all their help & assistance with the following up on my bridge loan with your company. I found her very very helpful with all areas of the process of the bridge from start to finish.