High net worth & specialist property team
Helping brokers navigate large and complex borrowing needs with specialist expertise.
- Your specialist partner for larger and more complex lending
- Real estate, valuation and underwriting expertise in one team
- Supporting £5m – £100m+ transactions with tailored solutions
- Dedicated relationship management beyond completion
The HNW & specialist property advantage
Our high net worth (HNW) and specialist property team works alongside brokers to support £5m+ and complex lending opportunities. Combining expertise in real estate, valuation and underwriting with a relationship-led approach, the team helps assess opportunities, navigate challenges and structure deals with confidence.
From complex ownership structures, transitional assets and specialist property types to portfolio acquisitions, refinancing and evolving borrowing requirements, the team provides dedicated support from the earliest stages of a case through to future lending opportunities. They can also support larger and more complex transactions across the wider OSB Group lending brands, Precise and Rely, helping brokers deliver tailored outcomes for their most valuable clients.
Got a case in mind?What this means for you
Specialist support from the outset
Engage with the team early to identify potential challenges, shape complex transactions and help keep cases moving.
Dedicated expertise
Benefit from a single team with expertise across underwriting, real estate, valuation and relationship management, supporting your clients and their evolving borrowing needs.
Support beyond the initial deal
From larger and more complex transactions to future borrowing requirements, the team works alongside you to build long-term client relationships and identify new opportunities.
Meet our experts
Krissy Salmon
Head of HNW & Specialist Property
Leading our HNW & specialist property team, I support clients with larger and more complex exposures through proactive reviews and ongoing relationship management. I work across the Group to drive retention, enhance client outcomes, and identify future opportunities.
Peter Greig
Senior Specialist Property & HNW Account Manager
I have over 20 years’ experience across real estate, valuation and specialist lending. As a Chartered Surveyor and former Head of Real Estate at OSB Group, I support brokers with larger and more complex property transactions.
Melanie Merchant
HNW Client Account Manager
I have extensive experience supporting brokers and high net worth clients with larger and more complex lending requirements. Through proactive reviews, ongoing relationship management and a collaborative approach, I help deliver tailored solutions and long-term value for both clients and brokers.
Steve Wood
Specialist Property & HNW Account Manager
I have over 20 years’ experience in specialist finance and underwriting and was formerly Head of Underwriting at InterBay. I support brokers with larger and more complex property transactions, helping them navigate intricate cases with confidence.
The kinds of cases we’re built for
Remortgage of 4 golf courses for residential development
Refinancing of four golf courses in southern England to repay an existing mortgage and release equity to support planning on a residential development.
£13.5m | 50% LTV | 125% ICR
£44.7m commercial loan for large commercial portfolio
4 remortgages and 2 purchases across multi-tenanted units within the creative arts sector across London.
£44.7m | 77% LTV | 139% ICR
31 property portfolio
Remortgage of 31 properties spread across the UK, owned in the applicant’s personal name.
£6.4m | 80% LTV | 149% ICR
£8.1m commercial loan for 36 unit terrace
Purchase of a 9-building terrace, multi-let as 36 units, in London.
£8.1m | 65% LTV | 191% ICR
Tell us about your case
If you’re working on a £5m+ or complex property transaction, or supporting a client with evolving borrowing needs, our HNW and Specialist Property Solutions Team is here to help.
Still have questions?
What you need to know
If you're working on a £5m+ or complex property transaction or supporting a high-value client with bespoke borrowing requirements, our HNW and Specialist Property Solutions Team is here to help. They support residential, semi-commercial and commercial transactions, particularly where structures are complex, assets are transitional or a tailored approach is needed.
Every case is different. From large portfolio refinances and mixed-use assets to bridge-to-term solutions, complex ownership structures and bespoke funding requirements, the team works alongside brokers to structure lending around each client's objectives and investment strategy.
The team supports brokers and their clients throughout the lending journey, not just at the point of application. Through ongoing relationship management and proactive reviews, they help identify future borrowing opportunities, respond to changing requirements and ensure clients continue to receive the right support as their portfolios evolve.
The team supports experienced property investors, developers and high net worth clients with established portfolios, complex ownership structures or ambitious growth plans. Beyond securing funding, they work closely with brokers and their clients through ongoing reviews, helping identify future borrowing opportunities and supporting evolving lending requirements.
