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Trusted Bridging and Development Loans in Manchester
We are a mainstay lender in the short-term finance market with over 15 years of experience. Our bridging and development loans have supported property developers, investors, self-build enthusiasts, and financial intermediaries across England, Scotland, and Wales. We specialise in fast, flexible funding solutions for residential and commercial property projects, including auctions, tax liabilities, and unmortgageable properties. As an FCA-authorised and regulated entity, we prioritise transparency with no upfront fees and staged facilities to optimise interest payments.Our case studies demonstrate our ability to resolve urgent funding issues, from rescuing multi-property developments to facilitating international purchases. With direct underwriter access and decisions in principle within hours, we combine regulatory compliance with rapid execution. Our team's expertise spans asset finance, cash flow solutions, and custom-build projects, ensuring tailored support for both individuals and businesses.
Services
Bridging Loans
Development Finance
Auction Finance
Tax Liability Loans
Property Conversion Finance
Self Build Finance
Commercial Property Loans
Cash Flow Loans
Downsizing Bridging
Unmortgageable Property Finance
Highlights and features
- 15+ years of experience in short-term property finance
- Decisions in principle within 4 hours of application
- No upfront application fees for loan facilities
- FCA-authorised and regulated lending practices
- Staged funding facilities to optimise interest payments
Associations and certifications
- Financial Conduct Authority
- UK Finance
- National Association of Commercial Finance Brokers
- Association of Short Term Lenders
What people say
Fast funding solutions
Transparent terms
Expert guidance
Rescued property deals
Flexible lending criteria
Services
Bridging Loans
Bridging loans provide fast property-secured finance for urgent purchases or development projects. Ideal for auction acquisitions, property chain gaps, or tax liabilities. Available from 10,000 to 3 million with flexible repayment terms. Secured against residential, commercial, or unmortgageable properties across the UK.
Development Finance
Development finance supports residential and commercial construction projects. Covers land purchase, refurbishments, and new builds. Offers staged funding with interest charged only on released funds. Available for single properties to large-scale developments across England, Scotland, and Wales.
Auction Finance
Auction finance enables rapid property purchases at UK auctions. Provides 10% deposit facilities and completion funding within 20 days. Available for residential, commercial, and unmortgageable properties. Loan amounts from 10,000 to 3 million with quick approval processes.
Consumer Buy to Let Loans
Consumer buy-to-let loans finance single rental properties for accidental landlords. Available for inherited, gifted, or former residential properties. Fixed interest rates with 12-month terms. Secured against properties in England, Wales, and Scotland.
Cash Flow Loans
Cash flow bridging loans resolve urgent business funding needs. Addresses temporary liquidity issues from 10,000 to 3 million. Secured against commercial or residential property. Typical APR 30.4% with no minimum term and four-hour processing records.
People
Ian Harrison
Head of Sales
With over 20 years in property finance, Ian leads sales strategy across England, Scotland, and Wales. He specialises in complex development funding solutions and has structured over 500m in bridging loans.
Jade Esterkin
Regional Sales
Jade manages client relationships across southern England. Her expertise in auction finance has helped 100+ property investors secure time-sensitive purchases through rapid funding solutions.
Kyne Mcallister
Regional Sales
Kyne oversees lending operations in the North West, Midlands, and Wales. He has particular experience in commercial property finance and has structured bespoke loan facilities for SMEs since 2015.
Questions
What types of properties can secure bridging loans?
We accept residential, commercial, unmortgageable, and auction-purchased properties across the UK as security.
How quickly can I receive development finance?
Funds typically release within 24 hours, with decisions in principle available within 4 hours of application.
Are there upfront fees for loan applications?
No, we charge no upfront application fees for any of our bridging or development loan products.
Can I get finance for a property auction purchase?
Yes, we provide pre-approved auction bidding facilities and completion funding within 20 days.
What loan amounts do you offer?
We provide facilities from £10,000 to £3,000,000 depending on security value and project requirements.
Are your loans regulated by the FCA?
Affirmative Finance Limited is FCA-authorised and regulated (314258) for consumer credit activities.
