In this episode of the Scottish Property Podcast, Emma Ross joins us to share her journey from working in the corporate banking sector to establishing her own commercial finance business. With over a decade of experience, Emma dives into the world of creative property financing, discussing how tailored solutions can unlock opportunities for investors. Whether you're a seasoned property developer or just starting, this episode provides invaluable insights into the often-complex world of property finance.

Episode Highlights:

• Emma’s Background and Journey:

  • From her early career at HSBC to managing Scotland and Northern Ireland for a master brokerage.
  • The decision to launch Ross Commercial Finance and prioritise values-driven business practices.

• Creative Financing Solutions:

  • Leveraging tools like title splits, grants, and background assets to secure 100% funding.
  • How commercial valuations differ from residential and why understanding these nuances is crucial.
  • Real-life examples of unique deals, including high-value commercial assets and liquidator sales.

• Commercial Property Trends:

  • Increasing interest in commercial property investments due to government legislation and tighter residential regulations.
  • The rise of semi-commercial properties and creative funding strategies for unique assets.

• Key Tips for Investors:

  • The importance of understanding lender requirements and valuation types.
  • How to manage risk, negotiate better terms, and identify opportunities in challenging markets.
  • The value of building strong relationships with brokers and lenders to maximise your financing options.

Emma Ross’s approach to creative property financing proves that knowledge and strategy are key to unlocking potential in the market. Whether you’re exploring commercial property, semi-commercial assets, or innovative funding options, this episode offers practical advice to elevate your property journey.

Follow Emma Ross on Instagram: www.instagram.com/emma_ross_commercial_finance ------------------------------------------------------------

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