Lunchtime gym thought 🤔
One of the most expensive mistakes property investors make… is choosing the cheapest broker.
People become so focused on saving a fee that they completely overlook:
- structure
- lender relationships
- experience
- execution
In specialist finance, weak structuring can cost far more than the fee itself.
A good broker should be spotting problems before the lender spots them.
Cheap advice usually becomes expensive advice.
#propertyinvesting #propertydeveloper #bridgingfinance #developmentfinance #ukproperty #investor #specialistfinance #propertybusiness #commercialfinance
Most investors focus on rates first.
The best investors focus on structure first.
Big difference. 👀
#propertyfinance #bridgingfinance #propertyinvestor #developmentfinance #ukproperty #mortgagebroker #propertydevelopment #realestateinvesting
A lot of fun being back on the broker side of the table at the British Specialist Mortgage awards 🏆
Huge congratulations to my guys @george_sanford@rhys_walmers19 for bringing home the bacon.
So good catching up with some familiar faces 😊
Won’t be long before my name is up on that screen 👊
This time last week I was on 5hr drive down to Plymouth…was it worth it? 🤔
ALWAYS!
Big thank you to @wolferstans for hosting me. I Finally made it to the annual Wolfy’s bottomless brunch 🥃
So much fun surrounded by some real genuine lovely people 🙌
You guys since day dot have made me feel welcome in Plymouth and I absolutely have an affinity the area. You know who you are 🫶
Lesson for the locals, never challenge me to split the ‘G’
Until next time..
First Endorphins & Equity Run ✅
What started as a simple idea has turned into something much bigger…
Good people, fresh air, no pressure, just a simple jog and good chats.
No pitches. No suits. Just showing up.
Big thank you to everyone that came down to support, genuinely means a lot 👊
This feels like the start of something and cant wait to take E&E forward now.
#EndorphinsAndEquity #RunClub #Networking #PropertyLife #Finance #Community #UKBusiness
@cspropertyfinance are hosting Endorphins & Equity this Thursday – a social 5K run bringing together property professionals across the South Coast.
Calum - BDM South East, will be attending, with the evening continuing with drinks and networking at The Thomas Lord, creating a great opportunity to connect in a more relaxed setting.
At TAB, we’re always keen to support events that bring the industry together and strengthen relationships. If you’re in the area, it’s definitely one worth attending.
👉 Secure your place: /e/property-networking-run-endorphins-equity-south-coast-tickets-1986067165355?aff=oddtdtcreator
#TABHQ #PropertyNetworking #EndorphinsAndEquity #SouthCoastProperty #NetworkingEvent (PropertyProfessionals BridgingFinance CommercialMortgages RelationshipDriven)
This Thursday I’m launching Endorphins & Equity, a relaxed social run for people in and around property.
No suits.
No awkward networking.
Just a run, good people and better conversations.
📍West Meon, Hampshire
🏃 All abilities welcome
🎟️ Free ticket link in bio/comments
Come for the run… stay for the connections.
#EndorphinsAndEquity #PropertyNetworking #RunClub #PropertyInvesting #SouthCoastEvents #EntrepreneurLife
Sunshine, property people and good conversations ☀️🥂
Spent Friday at Southampton Property Association and honestly couldn’t have picked a better setting to network.
Great event hosted by as @edgingtons_architects , huge thanks to everyone involved 🙏
Really grateful to @lesteraldridgeproperty for getting me involved and giving me the chance to introduce Carter Smith Property Finance.
A good reminder that property is still very much a people business. Opportunities often start with a conversation.
More of this please 👏
#PropertyNetworking #SouthamptonPropertyAssociation #PropertyFinance
Want to see a 4 bed house being prepped for a large HMO transformation 👇
👉 Purchased at £380k BMV
👉 OMV £420k on day one
👉 £200k going into the works
👉 Targeting circa £800k GDV
This is such a great example of where real value is created.
Not just in the purchase…
But in:
• Reworking layouts
• Adding en-suites & kitchenettes
• Converting unused space (including the loft)
• Structuring the deal properly from day one
This is the difference between a standard refurb… and a properly thought-out investment.
The real value is in the journey.
Thank you to @scplumbers@sebcerdan@ellabella_87
or giving me close access 😊
Can't wait to see the results!
#PropertyInvestment #HMO #PropertyDevelopment #UKProperty #RealEstateUK #PropertyInvestors #Refurbishment #BeforeAndAfter
From plans → to breaking ground 🏗️
Great to get this development deal completed for @gareth.evans27 & @rafi.vingre this week.
A big thank you to @pinkhaircommercialrm for your support throughout. Both you and the @roma.finance team have been fantastic with flexibility and a commercial approach.
Got down to site this week and nothing better than seeing it at day one before the build starts.
This is where the real work begins and I can't wait to see the build progress.
Am very much on this journey with you guys and wishing you the best of luck over the coming months 😊
@soniaproperty
#PropertyDevelopment #DevelopmentFinance #SiteVisit #UKProperty #InvestorLife #PropertyJourney
Come for a run with me..
I’m bringing back 'Endorphins & Equity' this year.
Not your typical property networking…
No suits. No sales pitches.
Just good people, fresh air, and real conversations.
🗓️ Thursday 30th April
🕰️ 6:30pm (6:15 meet)
📍 The Thomas Lord, West Meon, Hampshire
5K along the West Meon Trail 🌿
All abilities welcome whether you run, jog or walk. Nobody gets left behind.
Then straight into the pub after for beverages.
This is all about:
👉 Better conversations
👉 Better connections
👉 Doing something good for your mind and body.
Whether you’re in property or just fancy something different, come along.
Run. Connect. Grow.
Drop me a message if you want in 👊
#EndorphinsAndEquity #PropertyNetworking #SouthCoastProperty #RunClub #PropertyInvesting #NetworkingDoneDifferent #UKProperty #FitnessAndBusiness #RunAndNetwork
The market right now?
Uncertain… but let’s be honest… this isn’t new to us.
If you’ve been in property investment over the past few years, you’ve already seen it:
• Covid
• The mini-budget
• Rapid rate changes
And now… more movement again with the Iran war.
Right now we’re seeing:
⚪️ Mortgage products are changing quickly
⚪️ Lenders are repricing frequently
⚪️ Deals are shifting in real time
Yes it’s 💯 challenging. But it’s also a market we understand.
Because the reality is:
✔️ Deals still get done
✔️ Funding is still available
✔️ Opportunities are still there
They just require:
→ Better decisions
→ Faster action
→ Stronger structure
The difference for investors right now?
👉 Move efficiently, not hesitating
👉 Get the structure right from day one
👉 Work with lenders who can adapt
👉 Stay close to the detail
Some of the best opportunities actually come in markets like this.
This isn’t a market to fear, it’s just a market to navigate effectively.
And for those who do… there’s still plenty to be done.
#PropertyInvesting #UKProperty #PropertyFinance #mortgagebroker
