Hope Capital - Look back on Q3 2025 by Hope Capital Property Finance

HOPE- FULL

CELEBRATING OUR BIRTHDAY IN STYLE A journey worth celebrating

OUR NEW PRODUCT TOOK THE MARKET BY STORM

75% Net LTV is a game changer

4 YEARS AS A TOP MORTGAGE EMPLOYER

Celebrating four years of workplace success

Editor’s Note

ur 14th birthday, a brand-new offering, and more awards to add to our ever-growing trophy cabinet, it’s safe to say this quarter has been one for the books. As we turn the page into our 15th year in business, we do so off the back of our most successful quarter yet.

What began 14 years ago as a bold idea, by our brilliant CEO, Jonathan Selaey, has grown into a thriving, industryleading lender in the bridging finance market (be sure to check out our next edition, where we’ll reflect on our journey since 2011).

As we step into this exciting new chapter, we’d once again like to extend our thanks to our readers, partners, and team, the people who make every milestone possible.

EMILY CROWE Senior Marketing & PR Executive

P2 Let’s Hear from your Editor

Kicking off our 14th birthday in style

P3 What’s Inside

Explore our journey and achievements

P4-P5 Celebrating our Birthday in Style

A journey worth celebrating

P6-P7 Our New Product Took the Market by Storm

75% Net LTV is a game changer

P8-P9 4 Years as a Mortgage Introducer Top Mortgage Employer

Celebrating four years of workplace success

P10 Safety First!

Welcoming our newly trained first aiders

P11 Sharing the Key to Hope Capital’s Success

Our CEO reveals the driving force behind our growth

P12-13 The Teams that are Taking our Service to the Next Level

Meet our new Loan Support & Relations and Resolutions & Recoveries Teams

P14-15 Exciting Changes in our Sales Team

New titles, new promotions, same great talent

P16-P17 Supporting the Woodlands Hospice

Raising £1,140 with 150ft abseil

P18-P19 Sharing Our Knowledge and Expertise

Laura Carr, Head of Underwriting, shares her tips for navigating Scottish deals with confidence

P20 A New Underwriter Joins our Growing Team

Welcome Rachael Flynn

P21 Team Triumphs

Three new engagements in record time – congratulations Alicia, Sam, and Sophie!

P22 Growing Together

We’ve reached 5,000 LinkedIn followersthanks for your support!

P23 Ending our Week with Friday Afternoon Fun

Enjoying a beer, brew and even a quiz

P24 -P25

Introducing our latest Stars of Hope

Recognising Charlotte & Nathan for their outstanding contribution

P26-P27 On the Move

Discover our latest adventures and activities

Celebrating our Birthday in Style

A journey worth celebrating

This quarter marks 14 years of providing forward-thinking bridging finance solutions. Since our very first loan in 2011, we’ve grown into one of the UK’s leading bridging lenders, thanks to our dedicated team, loyal investors, trusted partners, and the brokers and clients who place their confidence in us.

With new products on the way, improved service offerings, and ongoing investment in technology and innovation, we’re building real momentum for the future. So, what’s next? There are some exciting things on the horizon, including exhibiting at The Finance Professional Show in November and one of our biggest announcements yet (trust us, you won’t want to miss it).

• Our loan

• By mid-September, thanks

• We’re

• Refurbishment

• Loan completions

• Since Over the past just getting

past year, we have surpassed key milestones and achieved record results, and we are only getting started. Take a look at these stats from this quarter alone!

loan book is up 36% compared to last year. mid-September, we’d already hit the same funding levels as all of 2024, thanks to stronger business activity this year. on track to finish 2025 with funding up 32% on last year.

Refurbishment loans have jumped 71% compared to the same time in 2024. completions are averaging 40% higher per quarter than last year.

December, we’ve seen a 61% drop in default loans.

Our New Product Market

After identifying a gap in the market for a product that could offer forward funding and maximum leverage, it was a logical next step for us to meet that demand by introducing our 75% Net product.

For borrowers wanting to embark on a refurbishment project we understand that cash is key. One advantage of our 75% Net product is it provides the funds needed to purchase a property and begin work immediately, without delay.

by 75% Net LTV is a

Product Took the by Storm

a game changer

Another advantage is that works are forward funded throughout the loan term, giving borrowers the confidence and cashflow to move quickly and progress their refurbishment projects through to completion.

With instant valuations, dual representation, full title insurance, and no upfront legal undertaking, our loan is making waves in the market.

4 Years as a Mortgage Introducer Top Mortgage Employer

Celebrating four years of workplace success

After submitting a standout entry, outlining why we deserve to be recognised once again as a Top Mortgage Employer, combined with our team giving feedback on their experience working at Hope Capital, we’re delighted we have won this prestigious award once again!

Introducer

How were the winners chosen? Each company that entered was evaluated across eight core areas:

• Advancement

• Benefits

• Culture

• Compensation

• Diversity, Equity & Inclusion

• Innovation

• Reputation

• Sustainable Programmes

The result? Only three other lenders were recognised as overall winners, speaking volumes about how tough it was to make the list, and making this achievement even more special for our team.

To be recognised once again, alongside some of the biggest names in the finance sector might we add, is a huge honour and a true testament to the exceptional culture and incredible people that make Hope Capital such a fantastic place to work. Thank you, Mortgage Introducer, for this fantastic recognition once again!

2022 2023 2024 2025

Safety First!

Welcoming our newly trained first aiders

Chris Grierson Relationship Manager

Nathan Campbell Marketing & Sales Assitant

Our Relationship Manager, Chris Grierson and Marketing and Sales Assistant, Nathan Campbell recently took a day out to complete their first aid training with the British Red Cross, joining Pauline O’Gorman and Steph Kinsella as qualified Hope Capital first aiders.

Having qualified first aiders in the workplace is about much more than ticking a compliance box. It plays a vital role in maintaining a safe environment, something we’re proud to prioritise across the business.

Sharing the Key to Hope Capital’s Success Our CEO reveals

the driving force behind our growth

Jonathan Sealey was recently honoured to join Marcus Nanson on the NRG Insights Podcast to share the story of how he founded Hope Capital and what it really takes to grow in a competitive bridging finance market.

Taking a trip down memory lane, Jonathan reflected on the early days, starting the

business with limited resources and navigating the challenges that helped shape Hope Capital into the company it is today.

From the very first deal he ever completed, to the importance of building a strong team capable of holding their own, and understanding the evolving trends in the

market, Jonathan knows first-hand that credibility in bridging finance isn’t given… it’s earned, deal by deal.

A huge thank you to Marcus for the invitation. If you haven’t listened to the episode yet, we highly recommend you don’t miss it!

Jemma Wood Head of Portfolio Managment

Michelle Powell Senior Relationship Support Specialist

Sophie O’Neill Relationship Support Specialist

Sarah Matthews Senior Resolutions & Recoveries Specialst

The Teams Taking to

Grace Richmond Relationship Support Specialist

This quarter, we restructured our Portfolio team and a Resolutions and Recoveries borrowers and brokers, ensuring a seamless

In line with the restructure, we’re pleased Specialist. Since joining the Portfolio Management outstanding service to our clients. Michelle chapter for Hope Capital.

Congratulations Michelle!

Teams that are Taking our Service the Next Level

Meet our new Loan Support & Relations and Resolutions & Recoveries Teams

Portfolio Management division, creating two distinct teams: a Loan Support and Relations team. This change will allow us to provide more tailored and effective support to both seamless experience throughout the loan journey.

pleased to share that Michelle Powell has been promoted to Senior Relationship Support Management team in 2024, Michelle has made an exceptional impact, delivering Michelle will be a perfect fit to take on this senior role as we move on to this exciting new

Exciting Changes in our Sales Team

New titles, new promotions, same great talent

As Hope Capital continues to grow and evolve, so do the responsibilities and recognition of our team. We’re delighted to celebrate two very welldeserved promotions within our sales team:

Alicia Alty – promoted from Sales Administrator to Sales Specialist

Since joining in February, Alicia has consistently gone above and beyond to support the team and contribute to business growth. Her dedication and impact made her promotion an easy decision. Congratulations, Alicia!

Chris Grierson – promoted from Sales Specialist to Relationship Manager

Chris’s strong work ethic and unwavering support for the wider team have made a impression since joining the business. Recognised with our quarterly Star of Hope award, Chris now work closely with our Head of Sales, Parker, to help shape the strategic direction sales team. Congratulations, Chris!

We’re proud to see our team recognised hard work and dedication, and we look forward to their continued success in these exciting roles.

Alicia Alty Sales Specialist

Specialist

unwavering lasting Recognised Chris will Kim direction of the for their forward exciting new

Chris Grierson Relationship Manager

Supporting the Woodlands Hospice

Raising £1,140 with 150ft abseil

We’re incredibly proud of our National Account Manager, David Weir, and Marketing & Sales Assistant, Nathan Campbell, for taking on the challenge of abseiling 150ft down the Liverpool Anglican Cathedral, it was no small feat. By stepping forward and taking the leap, they have helped raise vital funds for Woodlands Hospice and support the incredible work they do for many across Liverpool.

We were overwhelmed by the incredible generosity shown by our partners, team members, and their friends and families. Together, their donations helped us raise over £1,100, with a special thank you to our CEO, Jonathan, for match funding the contributions received. Every donation, big or small, played an important part in reaching this fantastic total.

A special shoutout goes to MSB for their generous £250 donation, which gave our fundraising efforts an extra boost.

We would also like to extend our thanks to Alex Gregory-Chialton and Daniel Leith of Dutton Gregory Solicitors for inviting us to take part and join them in such a memorable challenge.

Q&A

Laura Carr, Head of Underwriting, shares her tips for navigating Scottish deals with confidence

This quarter, our brilliant Head of Underwriting, Laura Carr, with the help of Gunnercooke, shared her in-depth knowledge of Scotland’s distinct legal and consent requirements, helping brokers and investors better navigate the Scottish market.

By combining our team’s expertise with insights from trusted partners, we continue to build our reputation as a lender that brokers and clients can confidently rely on. Thanks to the team at Gunnercooke for the assist!

Take a look what Laura had to say!

Sharing Our Knowledge and Expertise

Q: What makes Scotland’s legal requirements for bridging finance different from England and Wales?

A: Scotland has several distinct legal differences compared with England and Wales. For example, in England and Wales, first charge lender consent is required before a second charge can be registered. In Scotland, this is not a legal requirement, although it is still considered good practice.

Q: Who must provide formal consent in Scotland?

A: In Scotland, the only formal consent legally required is from the borrower’s spouse or civil partner. In contrast, England and Wales also require occupier consent under the Land Registration Act 2002.

Q: How does due diligence work for bridging finance in Scotland?

A: Thorough due diligence remains essential. At Hope Capital, we request redemption statements and liaise directly with first charge lenders to ensure the security priority is protected. This helps prevent any legal or financial issues for both borrowers and investors.

Q: Are there any differences in documentation between Scotland and England & Wales?

A: Yes. Scotland still largely relies on wet signatures for documentation. However, since 2022, qualified electronic signatures have been accepted for some documents, making certain processes more streamlined.

Q: How does Hope Capital ensure accurate guidance for brokers and investors in Scotland?

A: Our team shares in-depth expertise and collaborates with trusted partners, such as Gunnercooke, to ensure our information is precise, reliable and valuable. This partnership helps brokers and borrowers navigate the Scottish market confidently.

Q: Why is this expertise important for brokers and investors?

A: Having access to detailed knowledge of Scottish legal and consent requirements helps avoid pitfalls, ensures proper security priorities, and strengthens our reputation as a reliable lender in the Scottish bridging finance market.

A New Underwriter Joins Our Growing Team Welcome Rachael Flynn

Rachael Flynn Underwriter

As we grow, we have more and more fantastic opportunities to add brilliant new additions to our team who can help take us to the next level.

Our growth this quarter allowed us to welcome a new Underwriter, Rachael Flynn, who brings a wealth of experience in the finance sector. While only been part of the team for a short period, Rachael has already hit the ground running, receiving a glowing review from a very happy broker on her first completion. Well done Rachael!

Team Triumphs

Three new engagements in record time –

congratulations Alicia, Sam, and Sophie!

Congratulations!

It’s always nice to celebrate our teams’ personal millstones in the office! We were lucky enough this quarter to have three celebrations in a matter of weeks.

After returning from their well-earned holidays, Alicia, Sam, and Sophie each shared some very exciting news! They might not have loved being the centre of attention when we celebrated them in front of the office, but we just wanted to show how happy we are for them all.

With our recent myHOPE enhancements each of them will receive an extra day of annual leave when the big day comes around.

Growing Together

We’ve reached 5,000 LinkedIn followersthanks for your support!

While LinkedIn growth may not be the ultimate measure of business success, it’s certainly a strong indicator that our profile within the industry is on the rise. Since the start of the year, we’ve seen our following grow by more than 1,000, reaching an exciting milestone of 5,000 followers.

This achievement shows the increasing recognition of our reputation as a trusted, expert lender and we couldn’t be more pleased to see our network expanding and our name becoming more widely known.

Not following us on LinkedIn? You’re clearly missing out!

Over the past quarter, our social committee, The Hope Collective, has been making sure Fridays finish on a fun note. Each week, they’ve organised a bit of friendly competition, from movie and music quizzes to the “Guess the Team Baby Picture” challenge.

Our Beer and Brew initiative ties in perfectly with these Friday afternoon activities, encouraging our team to unwind. Whether it’s over a coffee, a beer, or even a glass of prosecco, it’s the ideal way to celebrate the week’s achievements and head into the weekend on a high.

Ending Our Week with Friday Afternoon Fun

Enjoying a beer, brew and even a quiz

Introducing our latest Stars of Hope

Recognising Charlotte and Nathan for their outstanding contribution

We’re thrilled to share that this quarter, we’re celebrating two incredible Star of Hope winners!

A big congratulations to Charlotte Holt, our Operations and Finance Manager, and Nathan Campbell, our Marketing and Sales Assistant!

As part of our quarterly values recognition scheme, both were recognised by their colleagues for

Star of HopeEmployee's Choice

consistently living our core values, and this time, every nomination and vote came straight from the Hope Capital team!

As a token of our appreciation, both Charlotte and Nathan will receive a well-earned trophy and a monetary gift to treat themselves to something special.

Nathan is always really pleasant, friendly and ready to help. He has helped my team with changes relating to the split of the department and always goes about his work without a fuss or a drama. He treats his colleagues with respect, and I know he has brought some good ideas to his team with software that will make a difference to what they do.

I’d like to nominate Nathan for the positive impact he has across the business. He’s always approachable and friendly, and nothing is ever too much trouble. Most importantly, Nathan does it all with a smile on his face, making him an absolute pleasure to work with and be around.

Nathan has just celebrated his one-year anniversary, and honestly, it’s hard to believe it’s only been a year. He’s made such a big impact in such a short time! From working on campaigns and taking charge of our case studies, to working closely with both the team and external stakeholders, Nathan’s jumped in with both feet and never hesitates to go the extra mile. He’s always willing to step out of his comfort zone to support others.

Charlotte is deserving of this award not only for the entertainment she brings to the office but for everything she does for everyone. The support she gives to everyone across the board is fantastic. She keeps me (and probably everyone else) motivated and she is just brilliant at her job!

Charlotte is always thinking outside the box for new ideas that will make systems and processes more efficient and less complex for the team to use. She is always willing to help me, even though she’s busy herself she always seems to find the time.

Charlotte always helps out the team whether it’s part of her role or not, she always brings so much positivity to the whole team and wider business. She is always there to help with anything and is so approachable. Personally, Charlotte is a wonderful human being and a special friend.