Affirmative Finance Limited

Reference number: 314258

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When affirmative.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 044 8484 is
  • Who else gives the postcode M2 6XX
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Affirmative Trading name

FCA permissions and consumer protection

  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
05044363
Company status
Active
Company type
Private limited company
Incorporated
13 February 2004 (22 years old)
Registered office
7 St James Square, Manchester, Greater Manchester, M2 6XX
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Eugene Barry Esterkin Director Nov 1958 1 Mar 2004 21 other companies
Gary Scott Lederberg Director Apr 1972 1 Mar 2004 7 other companies
Paul Edward Mitchell Director Dec 1976 19 Dec 2006 4 other companies
Gary Scott Lederberg Secretary Not published 1 Mar 2004 7 other companies

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
21
closed down
5
went insolvent
1

In the full report: all 21 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 5 on the FCA register
  • The 8 companies these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Key dates in its history

Affirmative Finance’s history from the FCA register and Companies House, newest first.

Key events (8) All events (14)

2020

2 November 2020

  • David Alliance stopped being a part-owner
  • Sara Dorn Esterkin became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • David Alliance became a part-owner (25–50% of shares)
  • Eugene Barry Esterkin became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

16 March 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2004

13 February 2004

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (8 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Affirmative Finance

Other FCA-listed firms that share a director, phone number or address with Affirmative Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Affirmative Finance

Other firms of the same type (mortgage lender), nearest first.

In Manchester

Evolution Lending LimitedManchesterAuthorised

Elsewhere in the UK

Yorkshire Bank Home Loans LimitedNewcastle-upon-TyneAuthorisedAviva Equity Release UK LimitedYorkAuthorisedAdmiral Financial Services LimitedCardiffAuthorisedLegal & General Home Finance LimitedSolihullAuthorisedPrudential Lifetime Mortgages LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Affirmative Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 21 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 14 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Affirmative Finance Limited FCA authorised?
Yes, Affirmative Finance Limited (FRN 314258) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2005 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is Affirmative Finance’s phone number and website?
The FCA register lists the phone number 0800 044 8484 and the website affirmative.co.uk for Affirmative Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Affirmative Finance a scam or clone?
Affirmative Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Affirmative Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Affirmative Finance to the Financial Ombudsman Service, free of charge.
Who owns Affirmative Finance?
Companies House lists 2 people with significant control of Affirmative Finance: Mr Eugene Barry Esterkin (50–75% of shares) and Mrs Sara Dorn Esterkin (25–50% of shares). Before that, it was controlled by Lord David Alliance.
Who runs Affirmative Finance?
Companies House lists 3 directors of Affirmative Finance: Eugene Barry Esterkin, Gary Scott Lederberg and Paul Edward Mitchell.
How long has Affirmative Finance been in business?
The company was formed on 13 February 2004, and has held its current FCA authorisation since March 2005.
Does Affirmative Finance use any other names?
It trades as Affirmative.

Sources and links

The full report on Affirmative Finance Limited

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