Bespoke ... putting you in control
Bespoke Property Finance Consultants Ltd was formed in 2016 by Chris Johnson, after a career of over 22 years working for a High Street bank, the last 15 of which were in the Property Finance sector.
The Property Finance sector is constantly changing, and is more regulated than ever. With these regulations only likely to increase further, dealing with lenders is becoming increasingly difficult, whether it be sourcing finance, providing detailed financial information to enable lenders to monitor and review existing facilities, testing and certifying covenants or just understanding the jargon used in the property finance industry.
In years gone by, if one bank would lend you money, so would another on similar terms. In the current financial climate, with banks having to constantly manage and review sector exposure and capital ratios, each lender has its own agenda in relation to its lending policies within the various property sub-sectors. This makes it more difficult than ever to source suitable funding.
Accessing the right type of finance at the right time and on the right terms – and maintaining this over the longer term – requires knowledge, skill, creativity, effort and planning. This is where we can help.
At Bespoke, we have extensive ‘inside knowledge’ and practical experience borne out of many years spent working for the Property Finance dept of a High Street bank, which make us a valuable resource for any property investor and developer.
This experience has enabled us to identify the problems and frustrations (of which there are many) faced by both lenders and borrowers on a regular basis.
My varied experiences in the Property Finance sector have inspired me to create Bespoke Property Finance Consultants, with the main aim of making borrowing easier for borrowers and lending easier for lenders. We put the borrower in control, ensuring they have a full understanding of the facilities granted by the lender, whilst ensuring the ongoing requirements of the lender are met.
To support me with this, I have created a select panel of property and finance professionals, providing expertise across the board, covering all elements of property investment and development.
We believe in dealing with our clients in a fair and transparent way. See our policy on Treating Clients Fairly.
Why are we different ?
We are not just a Finance Broker, in the traditional sense, we are Property Finance Consultants. We have the required knowledge, expertise and experience to manage the finance process from beginning to end. We structure the funding request in the best way to suit you, the borrower, and then find the lender best equipped to support you. We then take responsibility of the management of the transaction through the completion and beyond. We deal with all other professionals involved in the transaction to ensure the "bumps in the road" are confronted and dealt with quickly and professionally. Post-completion, where appropriate, we take responsibility of the Management Information and Covenant obligations of the borrower, throughout the lifespan of the facility to ensure compliance of the lender's terms, whilst providing an early notification of any potential warning signs, long before the lender is aware, giving us the opportunity to "right any wrongs".
What is our aim ?
Our aim is to become your trusted business partner for the long term.
We've been told we are like a Finance Director, a Financial Advocate, an independent Relationship Manager, an Enabler, a "Deal do-er" and in fact an extension of the borrower themselves.
The nature of our business is exactly what the name suggests ... bespoke.
So please get in touch and allow us to tell you what we can do to help you.
