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Affirmative Finance Reviews [Read Our Expert Opinion]

Jane Wardle

Written by Jane Wardle on July 12, 2018

Updated July 12, 2018


Overall Rated: 4.5 / 5


Bridging loans from Affirmative Finance provides necessary funds for short periods of time. Such loans tend to be loans to individuals buying a new home when their current home has not yet sold. Loans can range from £10,000 to £1,000,000 and are offered in an 18-month timeframe to give the homeowner ample time to sell their current home and repay the loan quickly. This type of funding can also be secured for building a new home or business while waiting for the current one to sell.

Property development funding is another part of Affirmative Finance. With this style of loan, the customer can build their home, business, or any other type of small or large project without the traditional backing from the equity in their current home. It is ideal for those in the property development sector for those want to build rather than buy, and Affirmative Finance promises an excellent alternative to the traditional bank loans that can sometimes be difficult for some individuals to acquire.

Trust & Reputation

Rated 4.5/5

Affirmative Finance offers customers fully regulated short-term finance for many different reasons. They work directly with private individuals, property developers and investors, and even financial intermediaries to provide fast, proven services to clients throughout the UK. Affirmative Finance has been offering financial advice and loan options since 2004 making them among the most trusted loan operations in the area.

Throughout the many service provisions offered by Affirmative Finance, customers will enjoy a comfortable experience getting their loan. Whether acquiring a loan primarily online or choosing to visit one of their branch offices, Affirmative Finance maintains over 200 cumulative years of experience within the loan industry. Although the brand is not as large as some other entities, their vast experience and knowledge of the industry set them apart from other bridging loan operations in the UK.

Expertise & knowledge

Rated 4.5/5

Affirmative Finance is a company that understands the needs of customers. They do offer an 18-month timeframe primarily to pay the loan back, but due to the expert care that their loan officers provide, exceptions to this rule can happen. They take a look at each loan individually to determine if an extension to the service is in order.

This company also understands that sometimes, only a portion of the money promised will actually need to be used. They offer the ability to withdraw funds in increments rather than requiring the customer to manage all of the funds at once. The advantage of this type of lending is that the customer only has to pay interest on the money they take out for the project rather than the entire entity.

Customer Service

Rated 4.5/5

Understanding their specialism and that people often need guidance when considering bridging loans, the staff, both online and in the branches show compassion for their customers instead of viewing them as merely a number. The customer service representatives offer a safe place to find expert advice on all loans and services without judgement. Provided that the customer has the means and equity to pay back the loan, most applications are approved within just a few days with money in hand. Apart from the exceptional customer service from the company, the website offers many online financial tools to assist customers in answering certain financial questions without having to call to the team members every single time for assistance Affirmative Finance is a fresh approach to lending. Whether you are looking to build a new home, buy one while your current home sells, or simply trying to start a new project, Affirmative Finance is here to help.