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by Julian Ingall on 14th September 2021



Our clients were retired small portfolio landlords with 5 properties, looking to purchase a new buy to let at auction as it backed onto one of their existing BTLs and therefore, they had the inside scoop on the area and rental demand. Molly Smith, the go-to adviser for all things bridging finance, took on the case.


The clients had a total of 28 days to complete and the clients confirmed their finance requirement after the exchange of contracts, which meant that they had no formal lender agreement or valuation done however they had already paid their 10% deposit which was now non-refundable. By the time the client was prepared for their initial application to be submitted, there were only 3 weeks left until the completion deadline.

Unfortunately, to add to the time constraints, their AVM (automated valuation model) was rejected and so a full valuation had to be done. An Automated valuation model uses advanced analytics, such as machine-learning models, to analyze many different data points for a given property. This is used to predict a property’s current or future value and is the go-to for bridging cases where time is of the essence, as it provides an instantaneous report.


With Molly on the case, the valuation was requested on a Friday evening and miraculously returned to the lender by the Monday afternoon, having been carried out at 8:30 am that morning – talk about a quick response! It was then down to the underwriting team and solicitors to try and pull this one out of the bag. It was completed within 9 working days! The Coreco Commercial team doesn’t mess around and with Molly’s persistence and Masthaven’s expertise and brilliant solicitor relationships, the completion met its deadline exactly 3 weeks from the application submission.

Whether you’re an experienced Buy-to-Let investor or a professional landlord with a large property portfolio, you’ll want to ensure your property finance is constructed as efficiently and cost-effectively as possible. Chat to us today or call 0207 220 5100.



Written by Julian Ingall

Director of Coreco Commercial

Julian is one of the mortgage industry’s true legends, following his passion through thick and thin to run our highly successful Specialist Finance division. Having always had an interest in property and initially part qualifying as an Architect, Julian decided to join the Financial Services industry in 1989, cutting his teeth at John Charcol in the early 1990’s. After opening their Guildford Office, Julian left to spend time assisting High Net Worth individuals with tax efficient investment schemes. In 2000 he jointly founded the boutique Mortgage Brokerage Cobalt Capital. As the managing partner of Cobalt Capital and at the centre of its growth, the company expanded to a peak of 90 staff and developed into one of the leading mortgage brokerages in London. With more than a growing interest in the specialist and commercial sectors of the mortgage market and a determination to obtain finance on the seemingly impossible, Julian decided to follow his passion and invest into Coreco, becoming a Director in 2010. His aim is to drive this business forward to become one of the strongest specialist finance teams in the industry, focusing on large residential loans for development/investment purposes and large property portfolios. Julian is also a proud member of the FIBA Executive Committee.

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