Carter Smith Property Finance launches after FCA approval as VIBE Finance AR

Specialist finance professional Craig Smith has announced the launch of Carter Smith Property Finance, following FCA approval as an Appointed Representative of VIBE Finance.

The new brokerage will place a strong emphasis on bridging and short-term property finance, while also supporting investors with refurbishment & development projects, HMO funding, residential BTL, and commercial/semi-commercial mortgages.

Craig began his career at VIBE Finance before moving into a Regional Development Manager role at Shawbrook Bank, working with brokers on time-critical bridging and complex investor transactions.

He says his experience on both sides of the market has shaped the firm’s approach to client support and deal packaging.

Craig Smith commented:

“Bridging finance has become more intricate over the last couple of years. Lenders are sharper on exit strategies, refurbishment schedules and borrower experience.

My aim is to help investors navigate that landscape with clarity. Whether the deal is a heavy refurb, an auction purchase, an HMO conversion or simply a fast-moving opportunity.

Too many bridging cases fail for avoidable reasons. If you understand how lenders think, what concerns an underwriter, and how to prepare a pack that answers those questions upfront, you can dramatically increase the success rate.

That’s the value I want to bring to every client.”

Kim McGinley, Director of VIBE Finance, said:
“Craig’s understanding of specialist and short-term finance from both a broker and lender perspective, makes him a strong addition to our AR network.

Carter Smith Property Finance is launching at a time when investors value experience, communication and accuracy more than ever.”

Carter Smith Property Finance is now open for enquiries from investors and developers across the UK.

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