Independent Property Consultant
I need to refinance
When the decision involves significant equity, a lender or broker will tell you what works for them. I tell you what's actually right for your situation, before you commit to anything.
You're not moving. But you're not standing still either.
Maybe your fixed rate is ending and you want to know what your property is genuinely worth before you go back to a lender. Maybe you want to release equity but you're not certain whether now is the right time, the right amount, or the right structure. Maybe you're thinking about extending, developing, or restructuring what you own, and you need someone to think it through with you before you speak to a bank.
UK homeowners collectively hold over £5.7 trillion in property equity. Most of them have very little independent advice about what to do with it.
The problem with going straight to a lender
A lender will tell you what they'll offer based on their own valuation and their own criteria. A broker will find you the best available product. Neither of them will tell you whether the strategy itself is right. Whether this is the right time. Whether the property is positioned correctly. Whether there are things you could do to improve your loan-to-value ratio before you apply. Whether there's a smarter structure available to you.
Those are the questions that matter before you make a decision of this size.
What I do
I'm not a mortgage broker and I don't sell financial products. I'm an independent property consultant.
I'll help you understand what your asset is actually worth, what its potential is, what the market is doing in your area, and what your options look like before you make any financial decisions.
That might mean a pre-valuation assessment so you walk into a lender conversation knowing your numbers. It might mean identifying improvements that would increase your property's value or energy rating before you refinance. It might mean working through whether selling, holding, or developing makes more financial sense given your situation.
You get an honest, independent picture. Then you make the call.
A refinance with a deadline. And a lender that had got it wrong.
Sarah came to me through her broker. She owned a property she had been developing and needed to refinance out of bridging finance by a fixed deadline, the bridging costs were mounting and the window was not flexible.
The problem was that her new lender's valuer had down-valued the property significantly. The figure they had come back with did not support the loan she needed, and without it, she couldn't clear the bridge. The broker had tried to challenge it through the standard channels and hadn't got anywhere.
I came in and assessed the property independently. I looked at the condition, the specification of the work that had been done, the comparable sales evidence in the area, and what similar properties had actually achieved at completion rather than what they had been listed at. I then produced a written assessment, structured clearly enough that a different lender's underwriters, credit team, and valuer could understand the asset and the evidence supporting the position.
With that document in hand, the broker identified a more appropriate lender. That lender's valuer came to a different conclusion. The refinance completed on time, the bridge was cleared, and Sarah avoided what would have been a very costly overrun.
"I was referred to Daniel by my broker when our refinance hit a wall. The lender's valuation had come back wrong and we were running out of time. Daniel assessed the property properly, put together a clear written report, and gave us what we needed to go to a different lender with confidence. The refinance completed before the deadline. I don't know what we would have done without him."
- Sarah T
When to call
You don't have to be in crisis to call me. These are the kinds of situations where independent advice makes a real difference:
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You want to know what your property is genuinely worth before a lender's valuer tells you
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You've had inconsistent valuations and can't work out which number to rely on
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You want to understand whether improvements before refinancing would improve the outcome
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You're considering equity release and want someone independent to think it through before you approach a lender
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You're not sure whether refinancing, selling, or holding is the right move and you want a straight answer