The benefit of a ‘Red Book’ Valuation

by Joel Lea, Senior Underwriter at Bath & West Finance.As a principal lender, we appreciate the necessity of carrying out a RICS ‘Red Book’ Valuation to help us assess the financial risk of a property – whether housing, commercial or semi-commercial properties,...

Spotlight on property conversions and refurbishments

by Martyn Smith, Managing Director at Bath & West Finance. I’ve been in the specialist lending arena for over thirty-five years, and bridging finance has near enough remained close to its origins of being flexible, short-term finance which is secured against...

Bridging Industry stalwart Matthew Anderson joins Bath & West Finance

Matthew Anderson has joined West Country bridging lender Bath & West as commercial director. Anderson has over 25 years experience in the bridging and development finance markets, formerly heading up development lending at Amicus Finance and prior to that, at...

Should unregulated bridging really be driven by borrower status?

A recent report into the bridging market, penned by EY Financial Services, articulated some interesting features of the current short-term market that bear a little more thought. According to EY’s analysis, growing competition in the bridging market ‘requires...

Thematic review of the short-term sector: Is it time to re-visit the basics of bridging?

The bridging market has changed a lot over the past decade. No longer is the dominant model to have a number of private individuals funding short-term development projects, underwritten on a case by case basis and priced typically at between 1.5 and 2 per cent a...

Meet The Team

Martyn Smith Profile Picture

Martyn is one of the pioneers of bridging finance. He has worked in this sector for over 30 years and has built up a reputation for experience and innovation throughout the industry. His knowledge of bridging finance is unequalled.

Martyn Smith

Managing Director
Matthew Anderson Profile Picture

Matthew is a Board Member at Bath & West and has over 20 years’ experience in the short term lending industry. He has worked in the past with a number of successful lenders and brings his considerable experience and understanding of development and bridging finance to the Company.

Matthew Anderson

Commercial Director
Joel Lea Profile Picture

Joel is an Underwriter who will look after your application from start to finish. He’ll deliver the optimum answer to your client’s requirements.

Joel Lea

Senior Underwriter

Nick Lynch Profile Picture

Nick is an Underwriter who will take care of your application in every detail. He’ll offer the ideal result to your client’s necessities.

Nick Lynch

Senior Underwriter

Nick Rideout Profile Picture

Nick is our Financial Controller. He heads up the Finance Department and has responsibility for compliance, loan management and development funding monitoring.

Nick Rideout

Financial Controller

Sophie Organ Profile Picture

Sophie has considerable credit control experience and leads our credit control and covenant compliance function. She also has responsibility for day-to-day accounting and investor communications. Sophie brings a positive outlook and infectious personality to the office.

Sophie Organ

Accounts Assistant

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