Positive Lending was formed in 2008 to assist mortgage intermediaries in specialist finance. Our business has continually gained traction with intermediaries in this sector due to our transparent and reasonable fee structures, robust compliance processes in house, our culture to grow our employees through a dedicated training program and a field based team supporting our 10 networks and clubs.
Positive Lending is well known to intermediaries – we promote ourselves through social media, face to face presentations (prior to Covid-19) with up to 3,000 appointments per annum and via webchats, stand up presentations and within networks broker desks. Our philosophy is simple – ensure that we promote the markets we operate within to our brokers and clients in a way that is transparent and puts the client at the heart of every decision that we make.
To ensure this process is met we have a team of compliance case checkers who ratify EVERY loan sold prior to release of paperwork to a client or broker, regardless of whether we are packaging a loan or advising directly. This ensures that our advisors are monitored and training needs are identified, if required. Quarterly 1-2-1’s look at product and lender spread, Trustpilot and lender feedback and case gradings. This is also supported by our CPD training program where every employee in the company takes 12 courses a year, and senior management take 16. This is monitored by our Compliance and Business Assurance Director.
Our mortgage desk – a team of 9 – process close to 4000 mortgage enquiries each year. Our teams offer a 1 hour promise for placement of deals and a 4 hour SLA for DIP’s. This, coupled with arguably the lowest packager fee in the market of just £165 attracts more brokers every day to our proposition. But more than just fee and timescale promises it’s the experience of our underwriting team, all ex nationwide underwriters with a minimum of 8 years experience that drives the back end proposition. This is key to our “getting it right, first time” philosophy and our packaging quality is respected by our lending partners.
Positive Lending offers exclusive and semi-exclusive mortgage products to the market. We support lenders with group training programs for key brokers, such as our successful “wake up to sales” mortgage placement programs with 4 key specialist lenders.
Trust is important, and this is why we now process specialist mortgage referrals on behalf of brokers from Mortgage Intelligence, Mortgage Next, Sesame, Stonebridge, Openwork, Quilter and Positive Solutions. We also assist 2 networks in advising their clients for ex-pat mortgages on a solus basis.
We believe our overall proposition makes us the disrupter in the marketplace today.