Hope Capital Property Finance Completes Below Market Value and Semi-Commercial Purchases with Futurity Finance

21 September 2026

Hope Capital Property Finance's relationship with Futurity Finance continues to deliver for borrowers navigating complex transactions, with a track record stretching from the firms' first completion together to their latest deal today.

The first case completed together involved a semi-commercial property, in London, presenting a lucrative investment opportunity for the borrower due to its prime location. Structuring the deal to maximise returns required a strategic approach from National Account Manager David Weir.

By lending against the property's projected value, enhanced by a title split completed at the point of completion, Hope Capital Property Finance was able to significantly increase the funding available. The lender provided 100% of the £3.8 million purchase price, giving the borrower time to secure refinancing without the risk of an impending second charge on another property.

The deal also marked the first transaction David Weir and Stephen Gallagher had structured together, laying the foundations for a relationship that has continued to grow.

Fast forward to the latest case, and the partnership was once again tested by a complex transaction in Scotland. The deal involved the below-market-value purchase of a commercial asset comprising three office buildings.

The borrower's extensive experience, combined with the strong working relationship already established with Stephen Gallagher gave Hope Capital Property Finance the confidence to proceed.

The facility was structured at 70% LTV against the property's vacant possession value, providing a gross loan of £2m over a 12-month term with a refinance exit. While the longer term was taken for additional comfort, the borrower expects to exit the bridge within three months.

Dedicated Underwriter Andrew Bate played a key role in supporting the transaction through the underwriting process, working closely with David Weir and the wider team to help navigate the credit referral and deliver a solution that met the borrower’s requirements. Sales Specialist Alicia Alty also supported David and the broker throughout the process, helping to issue terms and manage the credit referral.

From their first transaction together to their latest complex commercial deal, the continued relationship between Hope Capital Property Finance and Futurity Finance demonstrates the value of collaboration, experience and a willingness to find solutions when transactions require a more considered approach.

David Weir, National Account Manager at Hope Capital Property Finance, said:

"These two cases show the range of what we can structure for Futurity Finance's borrowers, from a below market value purchase in Scotland to a complex semi-commercial deal in London. Working closely with Stephen on over 14 deals in the last 12 months has given us confidence to stretch our criteria to support his borrowers ."

Stephen Gallagher, of Futurity Finance, commented:

"Hope Capital Property Finance's ability to structure these deals gave the borrower immediate equity gain from day one and substantial taxation savings, exactly the kind of result that leads to repeat business."

These two completions underline Hope Capital Property Finance's commitment to decisive lending, competitive structuring, and delivering solutions that allow borrowers to progress without delay.

To find out more about Hope Capital Property Finance and its extensive product range call 0151 523 5998 or email: newdeals@hope-capital.co.uk