Hope Capital - Look back on Q4 2024 by hope-capital

HOPE- FULL

INSTANT VALUATIONS

75% LTV now available on instant valuations

WINNING IS WHAT WE DO BEST

Honoured to take home the gold in the Mortgage Introducer Awards and Financial Reporter’s Mortgage Industry Marketing Awards

Editors Note

elcome back.

What better way to kick-start 2025 than reflecting on the previous quarter and 2024 as a whole. Last year alone, we recognised 36 years of combined service as part of our loyalty award, championed 10 promotions, welcomed 8 new members to the team and commemorated 4 Star of Hope winners. Not forgetting the multitude of award wins we celebrated, including taking prize possession for the Financial Reporter, Rising Star Mortgage Industry Marketing Award and Mortgage Introducer’s Industry Employer of Choice Award, where we beat Nationwide Building Society, Lloyds Banking Group, amongst several other large banks/building societies.

This internal success enabled us to make significant strides in the wider market, supporting our brokers and borrowers with a host of new products, offerings and service enhancements. Looking forward, we anticipate achieving our most successful year to date in 2025, with already a host of exciting launches in the pipeline.

Your unwavering support has been vital to everything we’ve accomplished, enabling us to reach remarkable milestones as a business. Thank you once again and bring on 2025!

EMILY CROWE Senior Marketing & PR Executive

P4-P5 75% LTV now available on instant valuations

With no cost to the borrower!+

P6-P7 Festive celebrations

Thanks to our Hope Collective Committee for a fun-filled December

P8 Winning is what we do best

Honoured to take home the gold in the Mortgage Introducer Awards and Financial Reporter’s Mortgage Industry Marketing Award

P9 A quarter of fantastic reviews

Proud to have supported so many brokers

P10-P11 Welcome to the Hope Capital premium range

Rewarding borrowers with excellent credit

P12-P13 Our success stories

Take a look at some of our top deals from the quarter

P14 Hope Capital keeps growing

We grew our team once again with our latest starters

P15 Raft of promotions

Congratulations to Sam, David, Charlotte, and Stacey

P16 More milestones to celebrate

Congratulations to our brilliant Operations and Finance Manager

P17 King’s Trust, Diamond Ball Raising money for an amazing cause

P18-19 A special honour

Congratulations to Ann Coffey at the Sunshine Group

P20-P21 Out and about

Find out what we’ve been up to

P22-P23 Meet our proud sponsors

Special thanks to MSB Solicitors

75% LTV now available on instant valuations

With no cost to the borrower!+

What’s one of the key elements brokers and borrowers require when utilising bridging finance? Speed! That’s why this quarter, we’ve been hard at work implementing a brandnew process, now offering our fastest valuation offering to date, with up to 75% LTV available. The added benefit? Valuations are completed instantly at no cost to the borrower.

Our new instant valuation method complements our existing offering including desktop valuations which are delivered within 48 hours with up to 75% LTV available on property values up to £1m and up to 65% LTV on property values up to £2m.

Not forgetting we also provide full valuations, which are typically delivered within 5-7 days for cases which require further investigation and fall outside of our instant valuation and desktop valuation criteria.

Thanks to our team’s market insights and forward-thinking approach, we have taken the initiative to partner with a leading valuation provider, Deskval, which has allowed us to increase our automated valuation offering significantly. This has a multitude of benefits for both ourselves and the borrower as it allows Hope Capital to underwrite, and fund deals extremely quickly and efficiently while also maintaining accurate valuations and mitigating risk.

Although we have only worked with Deskval for a short time, we have already developed an excellent working relationship with the co-owners. This partnership has already proven to offer great value to our brokers and borrowers and will only improve as we explore the service further and gather feedback from our clients.

Over the last few months, we grew our social committee, now referred to as the Hope Collective, which consists of members from each department across the business.

Each member of the Hope Collective has been strategically chosen to ensure that there is appropriate representation of each department’s needs and feelings on what a positive workplace culture for the Hope Capital team looks like.

For us, it’s crucial to promote employee health and create opportunities to help build strong relationships within the team. This group has put lots of care and attention into ensuring we ended the year with some brilliant festive activities and some even better memories.

A big thank you to the committee, including Chris, Emily, Laurel, Nathan, Pauline, Sarah and

Festive

Thanks

Steph – we’re looking seeing what exciting store for 2025!

The wider team have in to make this year’s season special. From the office in their spare picking our generous office White Elephant team have yet again Capital an exceptional work.

Festive celebrations

Thanks to our Hope Collective Committee for a fun-filled December

looking forward to exciting plans are in

have also pitched year’s holiday From decorating spare time to generous gifts for our Elephant event, our again made Hope exceptional place to

Winning is what we do best

Honoured to take home the gold in the Mortgage Introducer Awards and Financial Reporter’s Mortgage Industry Marketing Award

As much as we love to recognise our team and our achievements internally, it’s always a bonus when we are recognised in the wider lending market. Last quarter was not shy on award wins with our brilliant graphic designer winning the Financial Reporter’s Mortgage Industry Rising Star Award and Hope Capital rightfully crowned industry Employer of Choice at the Mortgage Introducer Awards. This win was particularly meaningful for

commitment to maintaining a positive working environment for all our team, has not gone unnoticed by our industry peers. We know this win will spread across the wider market and reaffirm to our brokers and borrowers that we go to great lengths to ensure that our staff are taken care of so that they can provide the best service to all our clients.

Ultimately, it has been a very successful quarter for Hope Capital and we are so proud to add these awards to our

2024 cabinet, which includes but is not limited to winning:

• Mortgage Introducer’s Top Mortgage Employer Award

• Two Mortgage Introducer Elite Women Awards

• Bridging Finance Solutions CFO of the Year (UK) in the 2024

• Global CFO Excellence Awards

David Weir, Sam Lea, Jonathan Sealey, Kate Cowan, Sarah Matthews Financial Reporter, Daisy Howard

Ben Murphy – “Always pull through and make exceptions where necessary, we completed an urgent deal within 5 days, would have been sooner if it wasn’t for sols, couldn’t recommended them enough.”

Afsheen Gul – “A lender that goes above and beyond to help its brokers and clients get their deals over the line. Committed approachable and available. Good LTVs, rates and flexibility. A lender who works with you and not against you. Thank you Hope as always.”

A quarter of fantastic reviews

Proud to have supported so many brokers

2024 was once again another fantastic year for Hope Capital. Owing to a host of new products, offerings and enhancements we’ve made to our service, we proudly supported the largest number of brokers and borrowers to date.

Last quarter alone, we have worked with various brokers and borrowers to successfully get their deals across the line, no matter how challenging or complex. The reviews we receive play a vital part in Hope Capital’s success, ensuring

we meet the mark and better understand broker and borrower expectations. A huge thank you to those who have taken the time to leave us a review, not just this quarter but all year round. Here are just a few of our favourites:

Chris Johnson – “Another great job done by Hope Capital for a client with an urgent funding requirement. Special thanks to Ryan who managed the transaction quickly and efficiently as usual.”

Marcus Emadi – “Terrific company to work with. Well organised and communicated every step of the way. Wholeheartedly recommend Hope Capital.”

Welcome to the Hope Capital premium range

Rewarding borrowers with excellent credit

At Hope Capital, we’re committed to constantly reviewing the market to ensure what we offer hits the mark. Throughout the past year we have launched a host of new products and Q4 was no exception.

One way we have supported our brokers and borrowers is through the launch of our clean credit offering, creating a unique

Which borrowers could apply?

• Have good or excellent credit rating

• Reside in the UK

• Have at least one other UK asset

product that would benefit borrowers who have developed an excellent credit score. How did we do this? We introduced a significant rate reduction from our previous offering of 0.05% for light works residential developments, with up to LTV available.

• No CCJs in 24 months

• No missed mortgage payments in 24 months

• No bankruptcy/IVA’s

• No rolling arrears

This has already been a massive hit in the market, and we are looking forward to rolling out more tailored offerings in the new year!

Hope range

borrowers credit introduced our works on to 75%

Our finish & exit loan helps save two luxury residential developments with tight deadlines

What a deal to get across the line this quarter! Speed, expertise and a tailored product were crucial on one of our latest residential finish & exit projects.

In short, our borrower was close to defaulting with their current lender and was therefore against the clock to find a solution to complete two state-of-the-art development projects. Thanks to our finish & exit offering, we stepped in to provide the £1m+ loan needed, meaning they could repay their existing lender and subsequently, wouldn’t lose out on a lucrative investment opportunity.

This couldn’t have been achieved without the hard work from our team and collaboration between multiple parties, including Foy Mach from Acorn Finance and JMW Solicitors LLP.

Well done on delivering another fantastic outcome, to one of our brilliant BDE’s, Ben and Senior Underwriter’s, Ryan!

Our success

Take a look at some from the

What a quarter it has delivering solutions to and borrowers. We’ve of fantastic opportunities a considerable number whether it’s been for commercial or commercial a recap on some of the over the past

Another successful commercial

This quarter, we were thrilled deal for our borrower enabling of a hotel in Torquay into rental business. This exciting facilitated by Marcus Emadi with legal support from JMW deliver outstanding returns regeneration of

A big thank you to our team, Account Manager, David, Underwriter, Andrew, for their this opportunity

success stories

some of our top deals the quarter

has been for our team to support our brokers

We’ve had countless opportunities to work with number of borrowers, for residential, semicommercial purposes. Here’s the deals we’ve funded past few months: commercial project!

thrilled to have finalised a enabling the transformation into a modern, short-term exciting £2m+ project, expertly Emadi at Turning Point Capital, JMW Solicitors LLP, is set to returns and contribute to the of the local area.

team, including our National David, BDE, Ben and Senior their hard work in bringing opportunity to life.

A deal made in heaven for one of our National Account Manager’s, David Weir

One of our latest deals was definitely made for our favourite Scotsman, David. The property? Located in the BRIDGE OF WEIR located on HOPE Avenue in SCOTLAND! You couldn’t make it up!

Anyway, what was involved? A £300k commercial loan at 60% LTV was provided to help our client capital raise to complete the necessary works required, as well as fund an onward purchase of another residential property.

Well done David and one of our brilliant underwriters, Cheryl, on another great outcome for one of our clients. Special thanks to the broker, Gerry Lafferty, and the solicitor, Heather Fraser from Wilson McKendrick, involved on the case. Great working with you!

Becca Ford Operations Coordinator

Nathan Campbell Marketing & Sales Assistant

Ehlke-West Underwriter

Hope Capital keeps growing

We grew our team once again with our latest starters

Growing our team for success is what we’re all about and this quarter was no exception.

Throughout the year we have welcomed several new faces across every department, who have

made a tremendous impact on the business. Over the last couple of months, we were delighted to welcome three new starters to the business, including Becca who has joined our newly created

Business Support team, Nathan, who has joined our Marketing team and Sasha who has joined our Underwriting team. Welcome to Hope!

Sasha

Raft of promotions

Congratulations to Sam, David, Charlotte and Stacey!

We are always committed to championing progression within the business, retaining our talented team, and leveraging their skills and experience to drive our continued growth and success. This quarter has exemplified this commitment with four key promotions.

The first significant promotion came with the formation of the newly created, Business Support department, which is led by Charlotte Holt, who was recently promoted to Operations and Finance Manager. In this new role, Charlotte will utilise the skills she has developed in the finance and underwriting teams,

supporting and advancing each department across the business, so we are positioned to deliver an outstanding service to brokers and their clients. Congratulations, Charlotte!

In other news, a restructure of our Sales team resulted in two major promotions for David Weir and Sam Lea this quarter who have progressed from Business Development Managers to National Account Managers. In their new roles, they are tasked with strengthening Hope Capital’s relationships with brokers and networks nationwide, showcasing the fantastic range of tailored products and offerings we have created.

David will manage accounts in Scotland, North of England, and London, while Sam will oversee the Midlands, South Wales, and South of England. Since their promotions, both have demonstrated their value by building on existing broker relationships and establishing new, lucrative connections.

Well done both on these much-deserved promotions!

The final promotion this quarter saw Stacey Bradwell advance from Underwriting Coordinator to Underwriter. In her short time in the role, Stacey has shown why our focus on promoting internally is so critical to our success, delivering exceptional service on several cases with many more to come.

These promotions highlight the importance we place on recognising talent within our team and investing in their professional development and potential as we continue to grow.

Sam Lea National Account Manager

David Weir National Account Manager

Charlotte Holt Operations and Finance Manager.

Stacey Bradwell Underwriter

More milestones to celebrate

Congratulations to our brilliant Operations and Finance Manager

This year has been filled with celebrating our longest serving employees. From Laura Carr and Pauline O’Gorman who reached their 10-year milestone, to Jemma Wood and Kate Cowan who celebrated their remarkable 5-year anniversaries at Hope Capital, not forgetting Andrew Bate who marked his 3-year anniversary. However, the celebrations didn’t stop there, this quarter we had another special anniversary to celebrate. Our brilliant Operations and Finance Manager, Charlotte Holt, was not only promoted this quarter, but has also celebrated 3 wonderful years at Hope Capital.

Since joining the business, Charlotte has transformed our operations, playing a crucial role in enhancing productivity and strategically improving day-today processes. We would be lost without Charlotte, and we are so proud to celebrate all her achievements this year. Thank you for everything you do for us.

Charlotte Holt and Kate Cowan

Kings DiamondTrust,Ball

Raising money for an amazing cause

As The King’s Trust embarks on a new chapter with its recent new brand reveal, we want to shine a spotlight on the incredible work our Chairman, Steve Sealey, does. As a Regional Committee Member for The King’s Trust, Steve is a passionate and committed advocate and fundraiser, sitting on both the North West Development Committee and its Liverpool Sub-Committee. Steve plays an integral role in raising

funds and awareness to help The King’s Trust expand their support for disadvantaged young people across the region.

Steve proudly represented Hope Capital at the Diamond Ball in St George’s Hall, Liverpool at the beginning of December, where over 350 guests gathered to kick-start the holiday season, raising a fantastic £42,000 for this brilliant charity.

The evening included great entertainment featuring a superb performance from Jason Donovan. We are extremely proud to support such a fantastic charity which makes a difference and helps provide help for disadvantaged young people of the Liverpool city region.

A special honour

Congratulations to Ann Coffey at the Sunshine Group

Once again, we had another great evening supporting the Sunshine Group at their annual ball.

We were honoured to support the amazing work they do by helping raise over £5,000 to help continue their excellent work. Huge thanks to everyone involved, especially Ann Coffey, who runs the most amazing breast cancer charity.

We’re looking forward to another year of supporting this brilliant cause and helping to spread awareness of the amazing work they do.

Lady Mayoress of Liverpool: Erica Kemp, Ann Coffey, Lord Mayor of Liverpool: Richard Kemp

honour

Steve Sealey, Pauline O’Gorman, Stacey Bradwell Jonathan Sealey, Nathan Campbell, Chris Grierson

In line with this, the achievements didn’t stop there! We would like to say a huge congratulations to Ann and the amazing volunteers at the Sunshine Group who have joined the 281 organisations throughout the UK being awarded The King’s Award for Voluntary Service in recognition of their outstanding community service.

The King’s Award for Voluntary Services is a lifetime achievement award and is the highest award a local voluntary group can receive in the UK and is equivalent to an MBE.

It has been an absolute honour and privilege to witness the hard work and dedication that goes into the invaluable work the group do to

support women who are going through breast cancer from diagnosis, before, during and after treatment. Ann truly is an unsung hero and works tirelessly to support the group.