Gary Hawtin

Introducing Gary Hawtin

Few have a more complete picture of the property market than Gary. Drawing from inside knowledge going back decades, Gary often understands what brokers and borrowers need before they do!

What became clear from the outset of this interview is that Gary is not only switched on when it comes to the current state of the property market, but he also has his eye on the ball with the industry’s future.

This bodes well, considering how much change is looming. Gary is there, ready, and willing to support his brokers through these turbulent times.

What would you like to see introduced or prioritised within the specialist finance market?

“There’s obviously going to be some evolution as more and more technology comes into play. I think the market needs to embrace that, and hopefully that will streamline the entire process.”

Within Market Financial Solutions specifically, Gary believes there will be an increased focus on our Permitted & Light Development funding options.

“We can’t do ground-up development finance at the moment,” he added.

“But there’s plenty of scope to support major developers and heavy renovation projects in the coming months.”

Where do you think there could be opportunity for property investors in the current market?

In the Home Counties, with their proximity to London and economic hubs, Gary believes these kinds of major developments could create opportunities for property investors and landlords.

“In my area we’re seeing a lot more of the heavier refurbs, there’s quite a lot of development going on.

“There are a lot of investors who aim to buy a property, make it better or increase the size, and increase their returns.”

Specifically, it seems, this is a focus for landlords, as opposed to property flippers.

Are there any typical borrowers or cases that you tend to work with?

“From what I’ve seen so far I’m definitely getting more BTL enquiries as opposed to bridging,” he said.

“I’m not sure if that’s a temporary thing, or if that’s just the space we’re in, but I’m enjoying getting to better understand my regions, and what’s driving investment here.”

What’s interesting to note here is that every one of our BDMs sees shifting demand and trends based on where they are in England in Wales. Some report an even mix of bridging and BTL deals. Others seem to solely deal with HMOs, while others note rising queries for commercial deals.

The property market never stands still but what can be assured on is the fact that all our BDMs (and the wider Market Financial Solutions’ team) will adapt to however our brokers and borrowers operate.

What do you do to get your mind off the world of property finance?

As with many of our BDMs, much of Gary’s spare time is dedicated to one key necessity.

“I’ve got a young family, I’ve got three children so as soon as I walk through the door that’s it, I have to switch off for them.

“I play a lot of sports at the weekends, and I’m pretty much ferrying my kids around different parts of the country taking them to football, or watching them play football.”

Typical dad duties then.

“Yeah, for sure. Especially at this time of year,” Gary added, with a recognisable, yet appreciative sigh.

Thankfully, Gary does manage to squeeze in the odd golf game between these ferrying trips, which allows him to remain level headed during the week.

As Gary continues to make his mark in the Home Counties, we’re sure he’ll be in need of some well-earned golfing and downtime! He clearly has plenty to offer landlords, developers, and property investors in this crucial corner of the market and so if you have any cases you’re struggling with, please reach out as soon as you can.