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by Julian Ingall on 3rd January 2020


Coreco Commercial Finance were approached by two experienced property developers seeking refinance.  The loan application was based on refinancing their existing 95 unit buy to let portfolio and capital raising for further investment opportunities, totalling just over £23.7 million.

The properties were held by two UK limited companies which in turn were owned by a UK family trust with most of the properties held for over 10 years.

Due to the loan size and complexity of the company set up, the case was brought to InterBay’s transactional credit committee. This process helps give early indication as to whether an application will be accepted and allows time to action further evidence requests whilst still enabling the client’s deadline to be met.  This factor was especially important as the timing of the deal was absolutely vital to ensure a clean exit from the existing lender.

Julian Ingall, Director of Coreco Commercial Finance, commented, “This transaction was very complicated on a number of fronts and involved many teams working closely to ensure every element was expertly assessed and progressed.

Although there are other lenders that put their hands up for these types of deal, rarely do they have the tenacity or experience to make it happen. The team at InterBay Commercial go the extra mile for the client and we’re always impressed with their attention to detail and professionalism at every stage.

Relationships are so important in this business, and having successfully completed a number of similar size deals, we had no doubt that InterBay would be the ones to get this deal successfully over the line.”

Adrian Moloney, Sales Director, OneSavings Bank, said, “This deal took months of hard work to pull together and due to that very detailed preparation, we were able to move very quickly when it was ready to go. Paris Smith, our legal representatives on this case, were pivotal in helping to get this application across the line and worked tirelessly across all the challenges thrown their way. InterBay has a very close business relationship with Coreco and we know that our teams work extremely hard to ensure the client achieves a positive customer outcome.”


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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