Hope Capital - Look back on Q4 2024

AB N 2 002254 FJ E

HOPE- FULL INSTANT VALUATIONS

WINNING IS WHAT WE DO BEST

CLEAN CREDIT

OREM I P S U M on 75% LTVLnow available instant valuations Lorem ipsum dolor sit amet

D O Lhome OR SIT Honoured to take the gold in the Mortgage Awards Nibh Introducer eiusmod tincidunt uta and Financiallaoreet Reporter’s Mortgage dolore magna aliquamIndustry Marketing Awards erat voluptat.

NONUM MY Rewarding borrowers with credit Ut wisiexcellent enim ad minim esta

consectetuer adipiscing ad sed diam nonummy.

veniam quis nostrud exercitation lorem.

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

Emily

Contents P4-P5 75% LTV now available on instant valuations

P14 Hope Capital keeps growing

With no cost to the borrower!+

We grew our team once again with our latest starters

P6-P7 Festive celebrations

P15 Raft of promotions

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

Congratulations to Sam, David, Charlotte, and Stacey

P8 Winning is what we do best

P16 More milestones to celebrate

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

Congratulations to our brilliant Operations and Finance Manager

P9 A quarter of fantastic reviews Proud to have supported so many brokers P10-P11 Welcome to the Hope Capital premium range

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

Rewarding borrowers with excellent credit

P20-P21 Out and about

P12-P13 Our success stories

P22-P23 Meet our proud sponsors

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

Special thanks to MSB Solicitors

Find out what we’ve been up to

+ The valuation method chosen will be confirmed at application stage, following initial due diligence and at underwriting discretion. A pre-completion video walkthrough will be required, at no cost to the borrower

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.

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.

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.

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.

+ The valuation method chosen will be confirmed at application stage, following initial due diligence and at underwriting discretion. A pre-completion video walkthrough will be required, at no cost to the borrower

4

5

F

Thanks

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.

6

Steph – we’re lookin seeing what excitin store for 2025!

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

The wider team hav in to make this yea season special. From the office in their sp picking our genero office White Elepha team have yet again Capital an exceptio work.

Festive celebrations

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

ng forward to ng plans are in

ave also pitched ar’s holiday m decorating pare time to ous gifts for our ant event, our n made Hope onal place to

7

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 us as it highlighted that our

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, Financial Reporter, Daisy Howard Kate Cowan, Sarah Matthews 8

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.”

9

Welcome to the Ho Capital premium ra 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

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

Which borrowers could apply?

• Have good or excellent credit rating • Reside in the UK • Have at least one other UK asset

• 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!

10

ope ange

ers edit duced r works on o 75%

11

Our succ

Take a look at som from the

What a quarter it ha delivering solutions t and borrowers. W of fantastic opportu a considerable nu whether it’s been f commercial or comm a recap on some of th over the past

Our f inish & 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!

12

Another successful c

This quarter, we were th deal for our borrower ena of a hotel in Torquay int rental business. This exciti facilitated by Marcus Emad with legal support from JM deliver outstanding retur regeneration of

A big thank you to our tea Account Manager, Davi Underwriter, Andrew, for th this opportu

cess stories

me of our top deals e quarter

as been for our team to support our brokers We’ve had countless unities to work with umber of borrowers, for residential, semimercial purposes. Here’s he deals we’ve funded t few months:

commercial project!

hrilled to have finalised a abling the transformation to a modern, short-term ing £2m+ project, expertly di at Turning Point Capital, MW Solicitors LLP, is set to rns and contribute to the f the local area.

am, including our National id, BDE, Ben and Senior heir hard work in bringing unity 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!

13

Nathan Campbell Marketing & Sales Assistant

Becca Ford Operations Coordinator

Sasha 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 14

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!

Raft of promotions Congratulations to Sam, David, Charlotte and Stacey!

Sam Lea National Account Manager

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, Charlotte Holt Operations and Finance Manager.

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.

David Weir National Account Manager

Well done both on these much-deserved promotions!

Stacey Bradwell Underwriter

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.

15

Charlotte Holt and Kate Cowan

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

16

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.

Kings Trust, Diamond 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.

17

A special hon

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

18

onour

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.

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.

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 19

Out & about

31st October There were spook-tacu outfits this Halloween

11th October Big thank you to DKLM LLP for visiting the office

18th October Fantastic catch up with MPS Chartered Surveyors

4th November

Discussed exciting dev DeskVal

17th October

22nd October

Delighted to celebrate Method’s 10th anniversary

Proud finalist in the ‘Equality Employer of the Year’ and ‘Marketer of the Year’ at the Financial Reporter Women Recognition Awards

7th November

Proudly attended the O Awards 2024

17th October Insightful training sessions delivered by Brabners 23rd October Great to see Jennions & Co

7th November

24th October Fantastic meeting with Glenville Walker

15th November Proudly attended the Cornerstone Expo 2024

Brilliant catch-up with

18th October Great meeting with JMW Solicitors LLP

20

5th December Lots of laughs during White Elephant

ular fancy dress

15th November We took part in Children in Need Pyjama Day

6th December Our annual festive party

velopments with

16th November A brilliant evening supporting the Sunshine Group at their annual ball

13th December Christmas Jumper Day

Optimum ELITE

21st November We attended the Synergy Commercial Finance Meet the Funder Event 2024

h Costcap

4

19th December Lovely office treat with McDonald’s breakfast and bucks fizz

27th November We kicked off the festive season with the MSB team

21

www.hope-capital.co.uk | hello@hope-capital.co.uk

0151 523 5998

This is for intermediary use only.

Hope Capital is a privately funded specialist provider of bridging loans of up to £5m for a term of up to 18 months. Hope Capital does not offer regulated loans and is not regulated by the FCA. Registered in England and Wales: 07785052. Calls are recorded for training a ​ nd monitoring purposes.

The information provided in HOPE-FULL reflects details from the previous quarter. Some products may have been updated, modified, or discontinued.

For the latest rates and offerings, please call us at 0151 523 5998

“The earth is what we all have in common.” – Wendell Berry.

We’re trying to play our part in helping the planet and you can too by not printing this document.