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by Julian Ingall on 14th January 2021

Building work


Our new year case study kicks off with a client who recently purchased a property to develop and move in to, and thereafter let their existing residential property out.


Initially, they thought that a Let to Buy (LTB) mortgage may be the best solution for them. However, not only did the interior works cost more, but they also took longer than planned.

As a result, they needed to raise capital from their existing unencumbered residential property to pay for the rest of the works on the new property. What’s more, the client needed the funds within two weeks to pay for the next bill issued by the builders.


Broker Molly Smith knew that in order to raise funds asap, the most suitable solution for the client was a first charge regulated bridge on the existing residential property.

Using her product knowledge and lender relationship, Molly sourced a bridge with United Trust Bank (UTB) who after explaining the urgency of funds, worked hard to complete within 11 working days from application submission. Despite some team annual leave and Christmas holidays imminent, UTB excelled at their service delivery working behind the scenes to provide the client with exactly what they needed just in the nick of time!


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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