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by Julian Ingall on 1st October 2020



We were approached by a client looking to purchase a property that they were currently renting, and had agreed to purchase almost 2 years ago.


It’s not uncommon for our team to be approached by clients with a situation such as this however, there were complexities with this case. One of our highly experienced brokers, Stephanie, was unable to obtain a standard residential mortgage for the client due to the nature of the client’s earnings, and with no clear exit to evidence, she had to find a regulated bridging lender that would accept the sale of the property as the exit – which is very unusual on a property that requires no work to increase the value.


With the client having already agreed to purchase the property, notice was served from the vendor and Stephanie was on a tight timescale to find a suitable lender. By using her expert knowledge, and taking it right to the wire, she was able to secure a 1st charge bridge with Alternative Bridging Corporation and the client successfully purchased the (now no longer rental!) property.


Stephanie Monks


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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