Phone link
Phone link

Live chat


by Julian Ingall on 3rd March 2020

HMO group

Client:  An experienced British landlord residing overseas looking to refinance in order to widen their property portfolio.

Requirement:  Our client wished to refinance one of their current HMO properties in order to provide funds for further investment. After a massive down-valuation of over half a million pounds put a spanner in the works, Coreco Commercial were able to negotiate a re-valuation in order to meet the client’s requirements. After much “toing & froing”, the lender we had approached was able to take a pragmatic view of the situation and focus on the best outcome for both mortgager and client.

Facility:  Armed with the correct valuation; we were able to secure our client a very competitive interest rate at 75% LTV on the HMO, thus allowing the client to fulfil their wishes. Without the strong relationship built between the broker & lender the case could have quickly ended in disappointment. Coreco Commercial worked above & beyond the normal call of duty once again, ensuring our client received the very best of outcomes.

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.

Read more posts by Julian
DNA Shape DNA Shape

In case you missed it..


Overlay image


We know that all our clients are unique, and therefore the finance you require needs a different approach. We pride ourselves on providing a client focussed journey built around your needs and goals.

Overlay image
Overlay image


Our team always expresses their professionalism through their authenticity, high level of work ethic, and can-do attitude. We always find the best way for our clients to succeed.

Overlay image
Overlay image


Our progressive and forward-thinking outlook allows us to guarantee an exceptional level of innovative advice and service, ensuring an effortless, client-centric journey in the ever-changing financial world.

Overlay image


Want to talk to us?

Fill out the details below to start a conversation with one of the team.


    Advice you can trust