In this edition of Lender Perspectives, David Coleman, Head of Sales at Positive Lending, sits down with Mark Dobson, Head of Business Development – South at Redwood Bank, to explore how the HMO and mixed-use property market is evolving and what this means for professional landlords and brokers.
The discussion looks at the growing appeal of higher-yielding HMOs and mixed-use investments, alongside the impact of regulation, tax changes and changing tenant demand. Mark shares his perspective on where opportunities are emerging and the factors brokers need to consider when structuring these types of cases.
They also discuss how lenders assess mixed-use properties, Redwood Bank’s approach to adverse credit and the value of manual underwriting when dealing with more complex borrower profiles. Mark explains why early conversations between brokers and lenders can make all the difference.
Watch the full interview for Mark’s insight into the opportunities, challenges and lending considerations shaping the HMO and mixed-use market.