Q&A with Robert Seymour, Senior Underwriter at Alternative Bridging Corporation

Robert Seymour talks to The Intermediary about his role as Senior Underwriter at Alternative Bridging.

Can you explain your role as an underwriter and how it supports brokers throughout the lending process?

As an underwriter at Alternative Bridging Corporation, my role is to assess applications, evaluate the risks, and ensure that each loan is the right fit for the client’s needs. I work closely with brokers throughout the process, keeping them updated on application progress and legal developments. It’s a collaborative effort to make the process as smooth as possible, and our flexible, personalised approach means we’re often able to deliver solutions where traditional lenders might struggle.

How do you balance risk assessment with finding solutions that help clients secure finance?

I think it’s important to realise that there is rarely a one-size-fits-all approach that can be applied to finance, and it’s vital to provide flexibility where possible. Our focus is on being solutions-oriented, working alongside brokers to find logical and practical answers to even the most complex scenarios. For example, whether it’s a light refurbishment loan or a large-scale development finance deal, we consider each application on its merits and strive to accommodate where possible.

What are some key factors you consider when reviewing a finance application?

Key factors include the exit strategy—this is especially critical for bridging loans and development finance due to the short-term nature of the products. I also review the serviceability for serviced applications, the purpose of the loan, and its overall suitability for the client’s circumstances. These elements ensure the product aligns with their financial needs and goals, whether it’s for refurbishment, property acquisition, or a self-build project.

Can you share a memorable case where underwriting played a key role in securing a positive outcome for a broker and their client?

One that stands out is a young couple looking to build their dream home. They had difficulty arranging a self-build mortgage elsewhere, but at Alternative Bridging, we were able to step in with regulated development finance — one of the specialist areas in which we excel. It was incredibly rewarding to play a role in helping them achieve such an important milestone.

How do you collaborate with other teams (e.g., broker support or asset management) to ensure a smooth process for brokers?

Collaboration is at the heart of what we do. I work closely with our BDMs, case managers, asset managers, and finance teams, as well as maintaining strong relationships with our panel of solicitors. Each department brings its expertise to the table, and regular communication ensures we can tackle any challenges quickly and effectively. This joined-up approach is one of the reasons we’re known for our speed and efficiency, delivering results even on tight timelines.

What advice would you give brokers to help them improve their chances of getting cases approved?

Don’t be afraid to provide as much information as possible. The more we know, the better equipped we are to find the right solution. At Alternative Bridging, we pride ourselves on being pragmatic and offering a range of products to suit most situations. Clear communication and complete documentation make a significant difference in streamlining the process.

How do you stay up to date with changes in the market and regulations?

We receive regular training and updates on regulations, and I stay informed through industry news and insights shared by colleagues and management. Continuous learning is encouraged, and it’s essential in such a dynamic sector. Being proactive ensures we stay ahead of market trends and maintain compliance, which ultimately benefits brokers and clients alike.

What do you enjoy most about working as an underwriter, particularly in a specialist lending environment?

No two days are ever the same, and that’s what I love most about this role. Every application brings new challenges, and even with over 20 years of experience in finance, I’m still learning something new. It’s incredibly satisfying to see the tangible outcomes of our work, whether it’s a property transformation through refurbishment loans or helping clients achieve their financial goals with bridging finance.

Knowing that our expertise makes a real difference to brokers and borrowers is what keeps me passionate about what I do.