Property People – Details, episodes & analysis

In this episode, Saam Lowni sat down with Mark Stephenson, Senior Business Development Manager at Octane Capital. With over 15 years in the finance industry and a track record of funding over 1,000 refurbishment projects, Mark is one of the most technical and enthusiastic experts in the UK specialist lending market.

If you are a property developer, investor, or broker, this episode is a masterclass in property finance. Mark pulls back the curtain on how lenders like Octane Capital underwrite complex deals, why they value appetite over rigid criteria, and the common mistakes developers make when seeking refurbishment funding.

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🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

In this episode, Saam Lowni sat down with former professional footballer Christian Ribeiro.

After retiring from football at just 27 due to an injury, Christian turned his focus to property investing. What began as a small portfolio built during his playing career eventually evolved into a multi million pound property business, working with athletes and investors to build long term wealth through real estate.

In this conversation, Christian shares the realities of transitioning careers, how property helped create financial stability after sport, and why the modern property market requires a much more professional approach than it did a decade ago.

Christian is the founder of Performance Property Group with more than £30 million worth of property deals and manages a growing portfolio across the UK.

If you’re a property investor, developer, or landlord navigating today’s market, this episode offers practical insights from someone who has experienced both the highs and the difficult lessons of building a property business.

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

Jamie Pritchard is the Sales Director at MS Lending Group, a specialist lender in Manchester founded in 2021 by Michael Stratton, which has grown into a key player in short term bridging finance for residential and commercial properties.

Bringing over 20 years of experience, Jamie joins us to discuss the real limits of artificial intelligence in short term lending. He explains why his team relies on AVMs and desktop valuations to deliver 70+ deals monthly, yet draws a firm line at full AI underwriting.

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

Joel has a wealth of experience and is the Managing Director and founder of the company Ramsay & White - Finance for Property Investors, a specialist mortgage brokerage serving the specific finance needs of property investors across the UK. He works with investors all over the UK and is a property investor himself.

Over the last 2 and a half months Joel has submitted just over £3.5million in finance applications, with 80% of the transactions being for HMO investors.

Find out about his journey and any tips he has for Property Investment and Property Finance

You can email him directly to: enquiries@ramsayandwhite.com

https://www.facebook.com/ramsayandwhite/
https://www.instagram.com/joelwhitepr...
https://www.instagram.com/ramsayandwh...
https://ramsayandwhite.com/

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
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In this episode, we sit down with Ruban Selvanayagam, the co-founder of the UK's leading 'Sell House Fast' company, Property Solvers. A seasoned professional cash homebuyer and auctioneer. Ruban has been helping homeowners and investors achieve fast sales and ethical solutions in complex situations.

Ruban dives deep into his non linear career path and the ruthless but fascinating world of fast property buying. He shares how he navigated the 2008 crash, used creative finance to build a portfolio during turbulent times, and reveals what most investors get wrong about buying below market value. From ethical challenges to lessons learned through “lemons,” this conversation offers a raw, transparent look at what it takes to survive and thrive across multiple market cycles.

🔗 Connect with Ruban on LinkedIn: https://www.linkedin.com/in/rubanselva/

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
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In this episode, ⁨Saam Lowni sits down with Sean Land, a UK property investor with a £10 million portfolio through single lets, HMOs and care homes.

With a background in banking and over 20 years of experience, Sean shares how he transitioned from a corporate career to becoming a full time investor. He breaks down the mindset behind building real wealth in property from adding value and thinking long term, to really understanding the numbers behind each deal.
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MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram:   / propertypeoplemedia  

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This episode is brought to you by Merryoaks. 

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://zurl.co/Yi8AV

_____________________________________

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
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In this episode, Saam Lowni speaks to Ravinder Badyal, the Director of Structured Property Finance at MT Finance. Rav breaks down how deals are really structured, the red flags lenders spot early and what separates a fundable deal from a bad one. He has decades of experience working with developers, brokers, and private investors and shares real insight into how lending decisions are made. This is a must watch for anyone who wants to learn what it takes to build success.

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MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram:   / propertypeoplemedia  

_______________________________________

This episode is sponsored by Merryoaks.

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://zurl.co/Yi8AV

_____________________________________

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
______________________________________

In this episode, Saam Lowni speaks with Adam Lawrence, a well known figure in the UK property space with a portfolio of over 600 properties. Adam shares how he went from beating fruit machines to becoming a successful investor, and gives his honest take on strategy, what investors should be wary of and the problems with property education schemes. He even calls out Samuel Leeds! 
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MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram:   / propertypeoplemedia  

_______________________________________

This episode is sponsored by Merryoaks.

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://zurl.co/Yi8AV

_____________________________________

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

Welcome to Property People! Today, we're hosting Immanuel Ezekiel – an award-winning property developer, angel investor, author, and public speaker. In this interview, Immanuel sheds light on his humble beginnings, defying the odds and buying his first property at 19, creative finance strategies and how he scaled his successful career.

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MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram: https://www.instagram.com/propertypeoplemedia

_______________________________________

This episode is sponsored by Merryoaks.

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://zurl.co/DXAi8

_____________________________________

🗣️ Hosted by Saam Lowni 🗣️

Saam has a rounded view of the market gained from 20 years of experience. His knowledge spans residential and commercial property development, sales, lettings, management and finance. Saam launched Property People in 2018 as a way to connect with property investors and developers across the country and share valuable information and stories.

Saam has been a founding member of a Property Finance Provider, which grew its fund from £0 to £300m and is on course to fund 1000 homes across the UK. Following this, Saam launched Merryoaks Property Finance in 2021 as a way of applying his experience to provide bespoke property finance to property investors & developers.

🔗 Connect with Saam on LinkedIn: https://www.linkedin.com/in/saamlowni/ 
📲 Follow Saam on Instagram: https://www.instagram.com/saamlowni/

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🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...

Welcome to another episode of Property People. Today we’re joined by Toby Spanier an award-winning property investor. His story is quite powerful, from his childhood beginnings where he was labelled as "backwards" to climbing the corporate ladder and eventually building a legacy through property. Stay tuned to hear all about his story. 


MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram: https://www.instagram.com/propertypeoplemedia

_______________________________________

This episode is sponsored by Merryoaks.

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://www.merryoaks.com/

_____________________________________

🗣️ Hosted by Saam Lowni 🗣️

Saam has a rounded view of the market gained from 20 years of experience. His knowledge spans residential and commercial property development, sales, lettings, management and finance. Saam launched Property People in 2018 as a way to connect with property investors and developers across the country and share valuable information and stories.

Saam has been a founding member of a Property Finance Provider, which grew its fund from £0 to £300m and is on course to fund 1000 homes across the UK. Following this, Saam launched Merryoaks Property Finance in 2021 as a way of applying his experience to provide bespoke property finance to property investors & developers.

🔗 Connect with Saam on LinkedIn: https://www.linkedin.com/in/saamlowni/ 
📲 Follow Saam on Instagram: https://www.instagram.com/saamlowni/

_________________________________________

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Or maybe you'd like to sponsor an episode and get your business in front of our growing audience of property investors & developers?

Get in touch with marketing@merryoaks.com

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠 

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

 Email yasm...