EP103 Process Drives Performance

In this episode, Michael Dean sits down with Jacob Bouet Andersen, Managing Director at Avamore Capital, to discuss the lender's remarkable turnaround and ambitious growth plans. Nine months into his role, Jacob shares how Avamore has achieved 90% growth in origination while simultaneously cleaning up the loan book and maintaining zero capital losses. Jacob introduces Avamore's "Four Pillars of Credit" framework - product, developer, delivery, and financials - explaining why backing the right sponsor matters more than ever in today's market. The conversation explores their proactive approach to asset management, described as "looking for smoke rather than fighting fires," and how technology investments are streamlining the underwriting process. The discussion also covers Avamore's recently published Residential Market Outlook, touching on the regional renaissance in UK property development, the growing appetite for HMOs and income-generating assets, and why two-thirds of their exits now come through refinance rather than sales. Jacob outlines the team's target of 250 million in lending for the upcoming financial year and the operational changes being implemented to achieve it. Whether you're a broker, developer, or industry observer, this episode offers valuable insights into how a specialist lender is positioning itself for growth while maintaining credit discipline in an uncertain market. Guest: Jacob Bouet Andersen, Managing Director, Avamore Capital Guest Socials: LinkedIn https://www.linkedin.com/in/jacobbouet/ Sponsored by: Avamore Capital https://avamorecapital.com #specialistfinance #PropertyFinance #DevelopmentFinance #SpecialistLending #Bridging #Development #CreditManagement #AssetManagement #PropertyDevelopment #RealEstateFinance #BusinessStrategy #LoanBook #Underwriting #HMO #ResidentialDevelopment #RegionalProperty #UKProperty #Refinance #LendingGrowth #PropertyFunder