Spring has long been a time of new beginnings, and this year is no different. As the days grow longer and the property market begins to bloom, brokers across the UK are seeing an uptake in client enquiries, from first-time buyers eager to get onto the ladder to landlords eyeing their next investment. At Positive Lending, we believe this is the perfect time to spring into action and help your clients realise their goals with specialist finance solutions that are tailored to their needs.
Whether you’re supporting a client with a complex income, adverse credit, an urgent funding requirement, or a dream renovation project, our extensive lender panel, experienced team, and market-leading packaging services ensure you’re equipped to deliver the right outcome – fast.
Here’s how we can help you support your clients this season:
🌻 Second Charge Mortgages
Spring is a time for clearing out the old and making space for the new, and second charge mortgages are the perfect tool for clients looking to do just that with their finances. Whether it’s consolidating unsecured debt, funding home improvements, covering a tax bill, or even contributing to a family wedding, second charge lending offers flexibility when a remortgage isn’t suitable or a further advance is unavailable.
We support clients with unusual income profiles, historic or ongoing adverse credit, and a wide variety of reasons for capital raising. Even complex scenarios such as seafarers, zero-hour contracts, or applicants in probation periods can be considered.
🌸 Bridging Loans
The spring property market can move fast, and clients often need funding that moves even faster. Bridging loans are ideal for pre-sale purchases, auction transactions, and time-sensitive opportunities. From uninhabitable properties to lease extensions and even more niche requirements such as purchasing vintage cars or paying inheritance tax bills, we provide solutions that adapt to real-life needs.
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.
🌼 Specialist Residential Mortgages
Spring often brings a wave of residential buyers into the market, including first-time buyers, home movers, and those looking to remortgage. But what happens when those clients don’t fit the standard high street mould?
At Positive Lending, we specialise in non-standard cases. That includes self-employed clients with only one year’s accounts, applicants with CCJs or IVAs, clients in probation periods, and those purchasing unusual or non-standard construction properties. We also support shared ownership, Right to Buy, guarantor loans, and clients looking to borrow into retirement.
With access to lenders who don’t credit score and offer no-fee or free valuation options, we make it easier for you to help your clients secure their dream home—whatever their situation.
🌹 Buy to Let Mortgages
As the rental market continues to show strong demand, spring is an ideal time for landlords to expand their portfolios or refinance existing assets. We offer solutions for first-time landlords, experienced portfolio owners, and those purchasing through limited companies or SPVs.
Holiday lets, HMOs, MUFBs, and expat buy-to-lets are also within our remit, and our expertise allows us to navigate even the most complex cases with ease. With many landlords exploring alternative strategies due to tax and regulatory changes, now is the time to ensure they have the best funding in place.
🌷 Commercial Mortgages
We understand that spring is also a period of growth for many businesses. Whether your client is acquiring a commercial property, refinancing existing premises, or looking to purchase land for expansion, our commercial mortgage solutions are tailored to meet diverse needs.
We offer funding for all industries and credit profiles, including up to 90% LTV for professionals such as doctors, dentists, and vets. Owner-occupier and investment options are available across England, Scotland, and Wales. From retail and hospitality to industrial and healthcare, we’re here to support your clients in building their future.
🪻 Development Finance
Spring is the season for laying foundations—literally. Development finance remains a key area of growth, with clients seeking funding for everything from single-unit builds to multi-unit residential or mixed-use schemes.
We provide solutions for land acquisition, build costs, and developer exit strategies. Our panel includes lenders offering stretch senior and mezzanine funding, joint venture arrangements, and funding for conversions and refurbishments. Whether your client is an experienced developer or taking their first steps into property construction, we can help.
🌺 Equity Release & RIO Mortgages
As more clients over 55 look to use the equity in their homes to support their lifestyle or family, equity release and RIO mortgages are becoming increasingly relevant. Spring is a natural time for these clients to re-evaluate their financial plans—whether they want to pay off debt, fund home improvements, or help their children onto the property ladder.
Our later life lending solutions include fully advised equity release and RIO mortgages, with options for lump sum or drawdown, and no commission clawback—ever. We welcome all credit profiles, with no monthly repayments on certain products, making them a flexible and client-friendly option.
Let’s grow together this Spring
At Positive Lending, we believe that strong outcomes grow strong relationships. By partnering with us, you gain access to an experienced team, powerful technology, and a wide-reaching lender panel that covers the full spectrum of specialist lending.
Let’s help your clients seize the season and turn springtime opportunities into long-term financial success.
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!