“Our relationship with Bath & West keeps things running smoothly”

Nicky Martin has been developing residential properties in the South West for over 30 years. Originally working with his father, Nicky now runs Bath-based developer Martin’s Developments Ltd, a family-owned firm that specialises in small to medium-sized projects,...

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
Ian Parsons Profile Picture

Ian is one of the founders of Bath & West Finance, having previously worked with Martyn at He is a highly experienced businessman who has helped a number of companies.

Ian Parsons

Underwriting 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

Will Gatton Profile Picture

Will is an Underwriter who will oversee your application every step of the way. He’ll provide the best solution to your client’s needs.

Will Gatton

Senior Underwriter

Matt Mustoe Profile Picture

Matt has a wealth of experience in residential construction and huge industry knowledge. He overseas the construction phases of development loans and liaises directly with developers, ensuring that construction is going to plan, and provides them with an experienced sounding board.

Matt Mustoe

Project Manager

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

Anita Chakraborty Profile Picture

Anita produces the month- and year-end accounts, and overseas the day-to-day accounting and accounts payable function.

Anita Chakraborty

Assistant Accountant

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