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Episode 1: United Trust Bank

“Our balance sheet of commitments is about a billion pounds for property development.

That basically translates into supporting the development of about five and a half thousand new homes per annum across a range of clients.”

Paul De Croos, Head of Origination

In this episode, Paul offers his insight into United Trust Bank’s process for evaluating development projects and provides some advice for developers looking to raise finance for their residential projects with the Bank.

Paul has himself spent 20 years working in banking, across multiple sectors, including both development finance and investment finance for large and medium-size housebuilders and private equity and institutional fund investors.


Paul De Croos UTB


Episode 2: LendWell

“We can support both seasoned developers and what we like to call emerging developers.

We’re more than able to consider those applications and those customers and support them where we do think they do have the skills and the right project team around them.”

Stephen Johnson, Partner

In this episode, we speak to Stephen Johnson, Partner at LendWell, who covers LendWell’s view of the current real estate market, how it is offering assistance to both experienced and emerging developers, and the kinds of projects LendWell is able to support.

LendWell is a specialist lender that covers both commercial and residential schemes,  offering Bridging Loans, Refurbishment Loans, Development Loans and Large Loans. Stephen is a chartered accountant by profession and has spent his career in specialist property lending as well as a proportion of it undertaking his own property developments and property investments.


Episode 3: Close Brothers

“At Close Brothers, you will generally find that when you get an account manager, you stick with them, they stay with you.

Your relationship will remain with them throughout your life.”

Daniel Joyce, Director

In this episode, we speak to Daniel Joyce, Director within the Property division at Close Brothers. Find out how Close Brothers makes allocations to support developers, often funding up to 85% of the cost of projects. Daniel takes us through the process Close Brothers undergoes when evaluating proposals, and why developers should come to Close Brothers due to their specialist, service-driven approach.

Close Brothers is a leading merchant banking group and are one of the largest 250 companies listed on the London Stock Exchange. Daniel has been on the Property board for around 6 years now, overseeing his own team and has the responsibility for lending to developer clients, from family businesses to SME housebuilders operating regionally.

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Episodes hit the podcast weekly from December 9th. Can’t wait for the podcast episodes to drop? Get your fix right here on the Aprao website! Enter your details and we’ll email you as soon as a new episode is live.


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