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by Julian Ingall on 20th May 2020



An impressive HNW developer requiring an exit from existing development finance after completing his second block of flats overlooking the sea in Saint Austell.


Our client wanted to complete a complex transaction of £1.6m to refinance his existing debt on the development of sea-view flats, whereby the finance was to be over 7 of the 8 leaseholds being created, not the freehold block itself. With numerous additional complications along the way, including technical issues with the existing planning permissions as well as Covid-19 causing upheaval at the last minute, our commercial team worked tirelessly to resolve each obstacle that they faced with professionalism and efficiency, determined to complete the loan before their time ran out.


A bespoke service was provided whereby yet again, Coreco Commercials’ professional relationship with One Savings Bank saw all initial complexities agreed, and further assisted when more were thrown up down the line. Pushing until the very last hour of the very last day, Coreco Commercial succeeded in getting the deal completed 7 months and 2 weeks after it started. It is safe to say it went down to the wire, and both the client and the broker team were elated with the outcome.

Broker team: Julian Ingall/Molly Smith


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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