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by Julian Ingall on 20th May 2020



An existing HNW client struggling to refinance their home due to a change of career, looking to repay their existing overdue mortgage.


Our client was in need of an urgently fast completion as their existing residential mortgage was already FOUR YEARS overdue on repayment, and they would soon be facing repossession orders if they were unable to either sell the property or refinance their loan. With a loan amount of over £1.4m, and needing finance as low-cost as possible, our experienced broker sought out bridging finance in an attempt to ease the pressure on the clients.


A tailored service was provided by our contacts at Masthaven, who assured us that they would be able to complete matters swiftly and without delay and also providing the lowest rate available for this type of finance. With a down-valuation causing problems with the amount of borrowing, and a change of title being required prior to draw-down, we entered into Covid-19 lockdown without completion set. Seeing lenders pulling out of the market completely, and others pulling back on complex lending, we feared the worst. However, Masthaven filled us with confidence, tackled all of the hurdles thrown their way and we managed to complete this matter successfully, giving our clients room to breathe.

Broker: Guy Nyirenda


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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