Positive Lending
Positive Lending is a UK-regulated specialist mortgage broker that arranges bridging, second charge, BTL, commercial, development, and equity release finance on behalf of financial intermediaries, not on its own balance sheet.
- Company typePrivate
- Founded2006
- HeadquartersRingwood, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Positive Lending does
Positive Lending (UK) Limited is a UK specialist mortgage broker, regulated by the Financial Conduct Authority (FRN 607682) and headquartered in Ringwood, Hampshire. The company arranges non-mainstream property finance on behalf of UK financial intermediaries — mortgage brokers and IFAs — rather than lending on its own balance sheet. Service categories span bridging loans, second charge mortgages, specialist residential and buy-to-let mortgages, commercial mortgages, development finance, and equity release/later life lending, covering use cases that high-street lenders decline: complex income, adverse credit, non-standard property construction, time-sensitive transactions, and self-employed borrowers.
The technology spine is Case Flow, an online portal for case submission, document upload, and progress tracking that brokers use to feed cases into Positive Lending's specialist underwriting desk. Content assets — the Positively Speaking publication and the Positively Insightful video series — are positioned as intermediary education and lender co-marketing channels.
Commercially, Positive Lending operates as a master broker. It earns packaging fees on specialist cases and lender commissions on placed business, then passes the majority of upfront commission through to introducing brokers under a 'market-leading commission' proposition. Distribution is field-led: Regional Account Managers covering Western, South Eastern, and Northern UK regions, with a separate National Coverage and Key Accounts team, visit broker offices for product training, case reviews, and CPD sessions. The company is privately held, family-influenced at the leadership level (CEO Paul McGonigle and Head of Finance Dawn McGonigle share a surname), and has facilitated more than £3bn of cumulative lending across 20,000+ cases since 2006, against a small employee base of 11–50.
Positive Lending firmographics
Firmographics- Name
- Positive Lending
- Legal name
- Positive Lending (UK) Limited
- Website
- https://positivelending.co.uk
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Positive Lending is a UK-regulated specialist mortgage broker that arranges bridging, second charge, BTL, commercial, development, and equity release finance on behalf of financial intermediaries, not on its own balance sheet.
- Ownership category
- akta.pro rank
Positive Lending industry classification
Industry- Product category
- Specialist Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
Keywords
Where Positive Lending is headquartered
LocationHeadquarters
- HQ city
- Ringwood
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Positive Lending business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Broker Commission: Positive Lending earns commission from lenders for placing business through them. They pass on competitive commission rates to introducing brokers. The company states 'No one beats our proposition, we pay the best commissions in the market whilst retaining a fair and transparent fee policy for our customers.'
- Packaging Fees: Fees for packaging specialist lending cases including bridging loans, second charge mortgages, and commercial mortgages. Operates as a master broker facilitating over £3bn in lending.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Commission-based model for intermediaries |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Positive Lending product offering
Product offeringCore offering
Positive Lending is a specialist property finance broker (not a lender) that arranges bridging loans, second charge mortgages, specialist residential and buy-to-let mortgages, commercial mortgages, development finance, and equity release products for financial intermediaries across the UK. The company sources these products from a diverse specialist lender panel, paying market-leading commission to introducing brokers and supplementing the offering with the Case Flow online case management portal and Positive Promise service guarantee.
Product overview
Positive Lending operates as a specialist property finance broker offering a portfolio of core lending products including Bridging Loans, Second Charge Mortgages, Specialist Residential & Buy to Let mortgages, Equity Release/Later Life Lending, Commercial Mortgages, and Development Finance. The company supplements these products with technology and service add-ons including the Case Flow digital case management portal and the Positive Promise service guarantee. As a broker not a lender, Positive Lending arranges loan solutions through a diverse lender panel, serving financial intermediaries and their clients with over 20,000 completed cases and over £3bn in lending facilitated.
Differentiator
Problem solved
Functional benefit
Brands
- Case Flow: Online case management portal for intermediaries to submit cases, review client progress, submit documents, and track case files.
Products and services
- Bridging Loans Short-term property finance loans providing fast funding for property transactions, chain breaks, refurbishments, and purchase pre-sales, with AIPs in 4 hours and a specialist valuer panel selected for speed. Offered to financial intermediaries placing complex or time-sensitive cases.
- Second Charge Mortgages Whole-of-market secondary charge mortgage products allowing borrowers to release equity without disturbing their first charge mortgage, with exclusive products and transparent fees. Offered to UK mortgage brokers and IFAs.
- Specialist Residential & Buy to Let Mortgages Mortgage solutions for customers struggling to secure financing on the high street, including non-standard construction properties, self-employed borrowers, and complex income scenarios. Packaged for financial intermediaries.
- Equity Release and Later Life Lending Lifetime mortgage products designed for retirees to release equity from their property, including interest servicing options and flexible repayment features. Packaged for financial intermediaries.
- Commercial Mortgages Finance solutions for commercial property purchases and refinances, providing access to specialist lenders and private funders for owner-occupiers and investors. Packaged for financial intermediaries.
- Development Finance Short to medium-term funding for property development projects, including ground-up builds and major refurbishments with competitive pricing and prompt fund delivery. Packaged for financial intermediaries.
- Case Flow Portal Online case management portal enabling intermediaries to submit cases, track client progress in real time, submit supporting documents, and review case files digitally. Used by UK mortgage brokers and IFAs working with Positive Lending.
- Positive Promise Service Guarantee Service commitment guarantee offering confidence in specialist lending solutions, ensuring best rates and expert service for financial intermediaries and their clients.
Companies that use Positive Lending
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
Positive Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Positive Lending partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights6 records
Positive Lending competitors and assessment
Company assessmentDirect peers
- SPF Private Clients: Specialist UK mortgage broker for high-net-worth and complex lending cases, arranging finance through a whole-of-market panel. Comparable to Positive Lending's specialist intermediary positioning.
- Brightstar Financial: UK specialist mortgage broker focused on complex lending cases — bridging, development, commercial and second charge. Directly comparable in product breadth and intermediary service model.
- Mortgage Advice Bureau: One of the UK's largest mortgage broker networks, with thousands of advisers placing cases across a wide lender panel. Highly comparable as an intermediary mortgage broker serving UK financial advisers and direct customers.
- London & Country Mortgages: Large UK whole-of-market mortgage broker arranging residential, BTL and specialist lending products via an intermediary panel. Comparable in acting as a packaging intermediary between advisers and lenders.
- Coreco: UK specialist mortgage broker focused on complex lending cases including bridging, BTL, commercial and development finance. Directly comparable to Positive Lending in product mix and intermediary-led GTM.
- First Financial: UK specialist mortgage network offering intermediary support across complex residential, BTL and commercial lending. Comparable in business model and specialist intermediary focus.
- Charcol: Long-established specialist UK mortgage broker focused on complex and adverse-credit residential lending. Directly comparable to Positive Lending in targeting non-standard intermediary cases.
- Blueberry Life: UK specialist mortgage broker for complex income, adverse credit and bridging cases. Comparable in targeting non-standard cases for intermediaries across the UK.
Broad incumbents
- Countrywide (now part of Connells): Major UK estate agency and mortgage intermediary with a national branch network. Comparable as a broad mortgage intermediary competing for intermediary and direct business.
- Connells Group: One of the UK's largest property services groups, with a large estate agency network and in-house mortgage broking arm. Comparable as a broad mortgage intermediary with national reach, but operating at much larger scale and from an estate agency platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Positive Lending social profiles
Digital presencePositive Lending compliance and trust
Trust signalCompliance1 record
Positive Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Positive Lending leadership team
Management profileNumber of profiles
Profiles9 records
Positive Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Positive Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Positive Lending
What does Positive Lending do?
Positive Lending is a specialist property finance broker (not a lender) that arranges bridging loans, second charge mortgages, specialist residential and buy-to-let mortgages, commercial mortgages, development finance, and equity release products for financial intermediaries across the UK. The company sources these products from a diverse specialist lender panel, paying market-leading commission to introducing brokers and supplementing the offering with the Case Flow online case management portal and Positive Promise service guarantee.
Is Positive Lending a public or private company?
Positive Lending is a private company. It is classified as family owned and is currently operating.
When was Positive Lending founded?
Positive Lending was founded in 2006. It employs 11 to 50 people.
Where is Positive Lending based?
Positive Lending is headquartered in Ringwood, United Kingdom, in the Europe region.
How does Positive Lending make money?
Two revenue lines are on record. Broker Commission is the primary driver. The others are packaging Fees.
Who are Positive Lending's main competitors?
Direct peers on record are SPF Private Clients, Brightstar Financial, Mortgage Advice Bureau, London & Country Mortgages, Coreco, First Financial, Charcol and Blueberry Life. Broad incumbents are Countrywide (now part of Connells) and Connells Group.
Does Positive Lending have an API?
No public API is recorded for Positive Lending.
What industry is Positive Lending in?
Positive Lending's product category is Specialist Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 522310 and its SIC code is 6163.