Commercial mortgages
Commercial@positivelending.co.uk 0333 121 0050

About Positive Lending

An award-winning, FCA-regulated specialist broker, focused here on one thing: commercial mortgages explained in plain English.

Who we are

Positive Lending (UK) Limited is a specialist property-finance broker founded in 2008 and based at Positive House in Ringwood, Hampshire. The firm is directly authorised and regulated by the Financial Conduct Authority (FRN 607682) and has won more than 25 industry awards in specialist finance. Over the years the team has arranged billions of pounds of lending, working both directly with borrowers and alongside thousands of mortgage brokers across the UK who refer their specialist cases to us.

This website focuses on one thing: commercial mortgages. Whether you are a business buying the premises you trade from, or an investor purchasing property to let, our job is to compare a wide panel of specialist commercial lenders and find the deal that genuinely fits your situation. We are a broker, not a lender, and we aim to explain everything in plain English, with no jargon and no pressure.

Meet your adviser: Matt Vincent

Matt Vincent, Head of Commercial Finance at Positive Lending

Matt Vincent DipFA, CeMAP, CeRER, BSc is Head of Commercial Finance and leads our commercial mortgage service and writes the guides on this site. Matt is a qualified adviser holding the Diploma for Financial Advisers (DipFA), the Certificate in Mortgage Advice and Practice (CeMAP), the Certificate in Regulated Equity Release (CeRER) and a BSc degree.

Matt specialises in commercial and semi-commercial cases of every shape, from straightforward owner-occupier purchases to complex investment structures involving SPVs, debentures and personal guarantees. Clients regularly describe him on Trustpilot as knowledgeable, responsive and committed to seeing even the trickiest deals through to completion.

How we work

We operate a transparent, flat-fee policy rather than charging percentage fees, and we will always explain our fees and any commission we earn before you make a decision. We never overstate the benefits of a product without also explaining the risks, we confirm every recommendation in writing, and we will never ask you to commit until your questions have been answered. You will have a dedicated case handler throughout, with cover always in place for absences.

You can see what our clients say on our Trustpilot profile, where the firm holds a 5-star rating from over 500 reviews.

Important information

Positive Lending is a broker, not a lender. Most commercial mortgages and buy-to-let mortgages are not regulated by the Financial Conduct Authority. The comparison tool and calculators on this site provide indicative estimates for information only and do not constitute financial, mortgage, tax or legal advice. Always speak to a qualified adviser before making a decision.

Your property may be repossessed or a receiver appointed if you do not keep up repayments on a mortgage or any other debt secured on it. This service is provided direct to consumers and covers commercial mortgages only. Positive Lending is a broker, not a lender. Commercial mortgages and certain buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA). As a result, they do not provide the same level of consumer protection as regulated mortgage products and should only be considered for business or investment purposes. The rates, fees and monthly figures shown are indicative estimates for comparison, not offers of finance, quotes or guarantees of what any lender will provide; your actual terms depend on a full assessment by the lender. This tool is for information only and does not provide financial, mortgage, tax or legal advice; always speak to a qualified adviser before making a decision.