Carbon are experts in arranging property funding for both private and commercial clients.
With over 40 years combined experience amongst our Principals, we have built a respected and resilient business in perhaps the most turbulent time in the property and finance worlds. We take pride in the breadth of our offering, truly servicing the entire property finance spectrum. There are many firms who have a strong mortgage offering, an expert commercial lending proposition or the ability to deploy their own equity. There are very few that have all 3 elements that are genuinely active and deep rooted elements of their business.
Each segment of our business supports the other in terms of knowledge, expertise and opportunities that our clients benefit from. It is commonplace for two departments of our Company to put their combined knowledge to work to service a client whose requirements straddle different elements.
Pivotal to our proposition is both service and integrity. Our customer service principles are top of our list of priorities and we work hard to ensure that is demonstrated by all of our employees. Where appropriate we talk with clients outside of working hours and go above and beyond to ensure they are kept abreast of progress with their situation and momentum is maintained. Integrity is essential to both exist but also be perceived to exist. Regularly we have situations where we have relationships with two sides of a transaction. This is of huge benefit to both parties but it is essential we handle that professionally which we have done, without fault, since our inception. The same applies when we are dealing with competing organisations in the development space.
Geographically, we can advise clients based anywhere. Our administrative base is in Surrey. Whilst we naturally therefore have a lot of strength in the Home Counties, we are equally active across London and meetings taking place there on a daily basis whether that is visiting a client or us hosting at either of our London bases. Oxfordshire also benefits from one of our Shareholders residing there and we have an active interest in further growing our established presence across the county and region.
Marcus Gunn Regulated Mortgage & Insurance
Marcus oversees the regulated side of our business which covers mortgage and insurance advice.
He is rightly well known for his diligent and customer focused approach that is appreciated by clients and introducers alike.
Marcus retains his licence to advise but primarily oversees our other licensed advisers to ensure the clients experience is a positive one. He also manages all of our introducer relationships and is ensuring Carbon continues to grow at an impressive, yet manageable, pace.
Marcus is a co-founder of Carbon having spent a few years based in London learning his trade beforehand. Prior to that he spent many years in and around the fitness and film industries, both of which remain a passion outside of work.
Stuart Bradney Property Development & Investment Funding
Stuart heads up our investment lending team whilst also bringing his expertise to the development funding side. Stuart has structured some of the biggest private property portfolio facilities in the country over recent years and has also advised on a number of signature housing projects across London and the South East.
Having been one of the country’s highest volume mortgage brokers in the early years of his career, he retains a vast array of clients across the country and ensures they continue to be well handled by the private client side of Carbon.
That breadth of relationships was further expanded when he spent 7 years successfully growing an IFA practice before selling his 50% stake in early 2016 to enable him to rejoin forces with Tom Reynolds from early in his career and again put his sole focus on the real estate space. In particular, with a drive towards raising and deploying equity.
Stuart is very active in the community and charity arena, being a trustee of a number of organisations that benefit from his significant network and relentless energy.
Tom Reynolds Property Development & Investment Funding
Tom runs the development finance and associated advisory services of Carbon.
He has spent 15 years as a prominent adviser to property developers, not only raising debt for their projects but on many occasions being involved from site identification through to sale. With a much deeper knowledge of the entire development process than most of his peers, Carbon’s clients regularly benefit from his expertise and well respected position with a wide range of Lenders.
Tom has also led Carbon’s activity in the direct lending arena since we launched our own mezzanine lending proposition in 2008 having identified the opportunity in the market. This has also led to our involvement in Deveq, which deploys private wealth into joint venture residential developments.
Extremely well networked with entrepreneurs and high income clients, Tom also conducts a number of transactional deals each year which provide our H/UHNW clients with representation and a safe hand in their exposure to the real estate world.
Dominic Sharp Senior Mortgage & Insurance Advisor
Dominic is our Senior Mortgage and Insurance Adviser. He is particularly adept at swiftly establishing a clients needs and highlighting the nub of the case before establishing the solution.
Extremely methodical and diligent, Dominic enjoys the challenge of the more complex client requirement but also prides himself in often bringing a simple solution.
Prior to becoming a qualified Adviser, Dominic spent a number of years across the real estate industry. This included advising family offices on their property acquisitions as well as running his own business that acted as an asset manager for an organisation with a large regional portfolio from which his brief was to assess alternative uses to harness income.
Karen Foster Senior Case Adminstrator
Karen is our senior case administrator. She ensures clients mortgage and insurance requirements are well packaged and smoothly managed once the formal advice process has occurred.
Her role sees Karen liaising with clients, estate agents, solicitors, lenders and valuers to ensure all parties are abreast of progress and expectations duly managed.
Karen joined Carbon having spent a number of years at a well respected competitor in the mortgage world and her move has enabled her to broaden her involvement in the process.
Her efficiency and attention to detail is valued by the Company and our clients alike.