Below are some of the questions we are most often asked at Affirmative.

Valuation fees vary according to your property or development value. If your loan is for a residential property or development finance transaction, you can use our valuation fee scale to get an estimate. For commercial properties get in touch for an individual quote.

In some circumstances we may be able to utilise an Automated Valuation Model – Call our office for information.

Whatever your project, you can rest assured that your fee is a direct reflection of the valuation cost. All fees go directly to the valuer or panel manager, with no extra charges added on by us.

Bridging loans are ideal when you need short-term funding fast, and in the past were most commonly used by homebuyers to overcome gaps in the property chain. Nowadays, though, they are used for a wide range of purposes. Ways you could use a bridging loan include:

• Securing your dream home before your current property has sold.
• Funding your property when the bank has let you down.
• Freeing up a deposit to act quickly at auction or buy following an auction.
• Financing unmortgageable properties, such as those without a bathroom or kitchen.
• Quick purchases of all property types.

But it’s not all about buying property. We have also supported customers in refurbishing their homes and investment properties, building on their land and overcoming cash-flow difficulties. Find out more with our case studies.

A regulated mortgage contract is one of the finance solutions we offer at Affirmative. This type of loan is regulated by the Financial Conduct Authority (FCA), and meets certain conditions described by them. Read our full definition for all the details.

If you require a regulated mortgage contract your application to us will need to be submitted through an intermediary authorised and regulated by the Financial Conduct Authority.

We provide short term finance, so the maximum term of our loans is 18 months. We take each case individually however, and in some circumstances, we may be able to extend this.

If you prefer not to make monthly interest payments you can choose retained interest. This involves calculating your total interest and adding it onto the sum you are borrowing. As the retained interest becomes part of your loan, it too will be subject to interest. Learn more on our products and costs page.

Yes you can. In order to give our customers the best deal, we offer staged finance facilities where you draw on your loan when it suits you (subject to loan to value criteria). This way you only pay interest on the monies when you need them.