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by Julian Ingall on 3rd February 2021



As experienced mortgage advisers, we’re used to securing finance for all different types of commercial requirement. For our latest case study, we were approached by a client who had purchased a large commercial property using a bridging loan, but was now looking to refinance on to a longer finance term.


The commercial property had been purchased by the client using bridging finance, for the purpose of renting it out. However, a bridging loan is not a suitable long term finance solution therefore the client required refinance with additional capital raise to carry out development works. In addition, the client hand confirmed a tenancy agreement with a charity organisation.


Complexities with this case came with the charity tenant. On occasion, lenders can be wary of vulnerable tenants due to the potential negative impact if they had to repossess the property. However, experienced adviser Guy Nyirenda was able to agree a first charge term loan with CAF Bank who are a specialist bank for charities and non-profits. What’s more, an agreed rate of just over 3% was secured – unheard of for the type of tenant!

Are you looking to refinance your residential or commercial property? We’re award-winning specialist finance experts who have been helping clients with their refinance loans for years.

Get in touch today to see how we can help.


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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