At Home with FIBA TV

Technology allows us to communicate face-to-face whilst not being in the same location. These interviews, started during the Covid-19 pandemic, but have proved to be an excellent way to bring you important insight quickly and efficiently.

The perfect channel to develop your industry understanding and get to know specialist lenders.

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Ascot Bridging Finance

Kevin Gibson, Operations Director at Ascot Bridging Finance discusses the evolution of Ascot Mortgages into the bridging area where with the benefit of an advisers background, the team wants to create a better experience for those looking for this type of funding, seeing the customer journey as a focus and is keen to ensure that they offer a highly personalised service with the ability to think wider and offer flexible solutions. Kevin expands on the service provided by Ascot and their experiences of lending, including in Scotland.

LDS Sales Guarantees

Mark Robert, Relationship Director at LDS Sales Guarantees, part of the Landmark Group, which focuses on providing a quick and simple solution that results in guaranteed sales for residential developers. The service works by allowing brokers to complete a one application process which lets developers achieve their full GDV ensuring speed and efficiency, which in turn increases developer leverage. Brokers use this service as it avoids mezzanine finance and increases their opportunity to complete more deals. Mark finishes with a case study.

Hilltop Credit Partners

Adam Ware, President of Origination, explains the history behind Hilltop Credit Partners and why they have a strong understanding of the SME market. Through the harnessing of tech, they are able to offer fast and efficient processing of client business in the residential development finance area. Hilltop is keen to be seen as offering one stop funding, which reduces the time, effort and cost, adding on flexibility, which sees all partners working together to achieve the required outcome, where profit share is part of the arrangement. Adam forecasts good times ahead with choice and a broadly growing market.

Precise Mortgages

Roger Morris, Group Distribution Director discusses how Precise was formed and brought to market and the thinking behind their evolving brand. Both chat about the products that have been available through Precise and the significant growth in the bridging and specialist lending sector. As a known educator, Roger is focussed on bringing his expertise and personal experience to support brokers across a broad range of areas, including BTL, HMOs and top slicing. And the key strength when using Precise – well that would be their highly experienced and educated BDMs who will support you in maximising your opportunity.

Offa

Bilal Ahmed, CEO and founder of Offa, takes us on a whistle-stop tour of the reasons behind Offa’s establishment as one of the very few lenders in the market offering Shariah compliant finance. Bilal explains that this market has grown considerably due to the significant market of those looking for this type of finance for a variety of reasons with 52% of their business comes from the non-muslim sector, where the process is no more complex than with other lenders, with the exception of the legal process at the end. Offa provides a unique solution in a burgeoning market which can serve a variety of needs.

Ultimate Finance

Ultimate Finance’s CEO, Josh Levy explains how their team have developed through invoice financing into the real estate and bridging market. Josh explains how they have now become specialists in the last 3 -5 years accelerating change and defining their target audience. Working as a regional model, Ultimate are well placed to meet brokers requirements in their own areas with feet on the ground across the country. The business is built on technology ensuring they are best placed to move applications quickly and efficiently, where as an intermediary based business, their focus is on consistency, communication and longevity.

Glenhawk

Glenhawk Sales Director, Jamie Pritchard, explains how Glenhawk has evolved from the concept of offering a new approach in the bridging lending sector to be highly focussed towards client requirements. Raising his belief in education, Jamie believes that the sector has developed significantly in the last five years. As a team they are committed to listening. They will listen to what’s needed and why and then suitably price the deal without the need for a rate card. Their belief that communication is key, stands them in good stead, as does their flexibility in a changing market.

Black & White Bridging

Damien Druce, Commercial Director at Black & White Bridging discusses their evolution in recent times creating an entity where they have set out to bring a fresh approach to the sector, which is backed by many years’ experience from within the team. As a people centric business, they believe in transparency, taking the line that there are no grey areas when working with B&W; they clearly define what they do and how they do it. As a people focussed business, they are well placed to support all levels of broker where, as a long time exponent of education in the industry, Damien believes they are well placed for a very strong future.

WestOne Loans

WestOne Loans are a very well-established name in the Bridging and Development finance sector and in this session we hear from Matthew Watson , Business Development Manager, who discusses the short term lending market, its changes and the reasons WestOne has moved into a more holistic service in the past few years. Matt extols the resilient nature of the industry alongside his belief that there is significant opportunity for clients, and therefore brokers, and the experience and consistency that WestOne offers makes them a natural trustworthy solution for value, commitment and support.

Together Money

Hear about Together Money from Phil Quinn, Head of National Accounts, discussing Together’s pedigree and experience. Phil offers his thoughts on the bridging and commercial markets with forecasts for the remainder of 2021. Together, a leading specialist lender, focussing on common-sense lending achieves their speed and efficiency of processing through the harnessing or technology, which puts them is in the best position to support brokers. Looking to engender trust support and security, their flexibility allows for broad service across a number of areas.

Interbridge

Thorsten Lamberty, Director at Interbridge speaks about the firms inception and their approach to lending in the short term finance space. Conversation spans COVID-19’s impact on the industry, furlough and how they used a small period of quiet during the pandemic to review their proposition, coming back to market with streamlined processes and a proposition that is transparent, based on speed and efficiency, providing brokers exactly what’s wanted, with the introduction of tiered charging based specifically on each case and therefore not shying from risk.

Market Financial Solutions (MFS)

Paresh Raja, CEO at Market Financial Solutions (MFS) discusses MFS’s long established pedigree and the journey unregulated bridging has taken over the last 15 years. The MFS approach is one of transparency and with the support of strong funding lines, these two factors have stood it in good stead. MFS is committed to the provision of tailored solutions for its clients and his vision of the future is bright with a clear and defined market for short term finance that he feels is only going to grow alongside UK plc with investment in property representing a strong opportunity for growth.

Landbay

Landbay’s Managing Director, Paul Brett offers a detailed overview of Landbay detailing its start in 2014, where it still retains its initial focus on Buy to Let supported by a team with an intricately detailed knowledge which is therefore able to help brokers support their clients - no matter how complex. Being tech driven, they support brokers by completing deals as smoothly as possible with no paperwork involved. As a great solution for commercial specialist loans and limited company lending, this means brokers can support professional landlords and those with large portfolios.

Octopus Real Estate

Hear from Dan Murray, Head of Sales at Octopus Real Estate, who explains how Octopus had spread to move into the specialised lending sector ten years ago, harnessing a new approach to offer brokers quick and efficient solutions. Dan touches on the specialised lending markets growth and how for Octopus, providing simple transactional processes have helped them grow their business and be able to support and educate more brokers. Dan explains how their ability to adapt, with BDMs on the ground across the UK, keen to speak with brokers, makes Octopus a good choice whilst also hinting at new products.

Reward Finance

Nick Smith, Group Managing Director, discusses the founding of Reward Finance and how potential short term intentions, now see the firm approaching its 10th anniversary! Topics then turn to what Reward now offers, the changes on the short term lending markets, their quick response to lending based on specific criteria, which also takes a traditional and personal approach using technology to support, but where loans are about the individual and their needs and requirements. Nick also offers his predictions for the future as the signs are there that the markets are strengthening nicely.

LendInvest

Sophie Mitchell-Charman, Sales Director at LendInvest, chats with Adam about their beginnings in 2008 and their online approach, adding BTL products in2017. Sophie also touches on the short term lending markets, confidence, as well as how they have adapted to become competitive and more supportive of broker and client requirements. LendInvest’s innovative approach and use of technology is key to the future and has helped with the successful completion of many applications during lockdown, alongside a team that are significantly committed to the ongoing broker education for an even stronger future.

InterBay Commercial

Adrian Moloney, Group Sales Director with One Savings Bank discusses InterBay Commercial, its origins and the way it slots neatly into the Group, delivering a unique service provision in commercial lending. Over the last 15 years the highly qualified team has developed significantly providing access to underwriters with experience in the banking world and with cross UK BDM coverage and telephony support they are keen to lend. Their semi-commercial offering provides a highly attractive option for brokers clients.

Aspen Bridging

Jack Coombs, Director at Aspen Bridging details the company heritage, with part of the group having been set up in the 1930’s, moving into speciality bridging in recent years. Jack offers his views of the market and its future, whilst expanding upon Aspen’s unique approach to specialist lending, which offers an exciting opportunity for developers, as well as service led commitment for brokers looking to place business with the team.

Pension Led Funding

Adam Taverner, Chairman at Clifton Asset Management discusses how the firm is involved in commercial lending through Pension Led Funding, a lending solution that allows SME business owners to use their pension pots for business expansion. Pension Led was one of the original alternative funders and Adam explains how brokers can spot if this type of funding is suitable for a scenario and how it can work with other finance raising.

YBS Commercial

Mike Davies, Head Of Business Development at YBS Commercial, outlines the team’s strong regional approach, with three offices across the country, staffed by locally based BDM’s, all keen to engage with brokers in key areas. These include New Build, BTL and Commercial Lending, where growth is strong. YBS Commercial focuses on specific areas and works hard to make case business placement as simple and straightforward as possible.