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by Julian Ingall on 16th December 2020



We were approached by a recent client when they inherited a number of properties – one of which was a pub that had been derelict for over 10 years.


Upon acquiring the properties, the client made the decision to turn their hand to property development. Despite its worn-out state, they chose to convert the pub into a block of residential homes – they just needed some finance to help them do it.


For this scenario, commercial bridging finance was the most suitable solution for the client. Specialist finance adviser Matt Karagul sought the facility with MT Finance, an award-winning bridging loan financier.

As the client had no previous experience of property development, the lenders chose to underwrite a majority of the bridge on the asset itself. In addition, there were frustrations along the way. Delays from land registry came through fairly late in the process, but MT Finance pulled out all the stops,  and the lawyers involved were able to push to completion extremely quickly once everything was finalised.


It’s not just new property developers we can assist. See how we recently helped an experienced property developer secure a million-pound bridge for the refurbishment and conversion of a part-commercial, part-residential property.


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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