Founder of Prop Invest UK, the investor-facing arm of Vernon Property Group — a UK property development business operating a £15m portfolio across the South West, South Wales, and the M4 corridor. Specialist expertise: commercial-to-residential conversion under Permitted Development and Class MA, HMO conversion and operation, Grade II listed building restoration, Article 4 Direction planning, period Georgian and Victorian townhouse repositioning, GDV uplift strategies, forced appreciation, no-money-left-in refinance structures (BRRR UK equivalent), bridging finance and development finance stack construction, mezzanine debt, senior debt arrangements with challenger banks, LTGDV ratios, and capital partnership structures for private investors (secured loan notes, equity participation, pr...