David is a CeMAP-qualified Senior Mortgage Broker with over 12 years of experience in the UK lending market. He specializes in structuring finance for limited company buy-to-lets, bridging loans, and commercial mortgages. He currently advises portfolio landlords on leverage and interest rate risk management.
David O'Connell is a seasoned financial professional who began his career as an underwriter for a major UK high street bank, giving him unique insight into how lending decisions are actually made. Now a fully qualified CeMAP Mortgage Broker, he specializes in finding solutions for complex scenarios that automated algorithms often reject, such as lending on properties with short leases or non-standard construction. David possesses extensive knowledge of the specialized lending market, including bridging finance, development loans, and second charge mortgages. He helps investors navigate the volatile interest rate landscape, advising on the strategic balance between fixed-rate security and tracker mortgage flexibility. His writing focuses on the mathematics of property investment, explaining concepts like Return on Capital Employed (ROCE) and the nuances of Limited Company SPV mortgages. David is dedicated to helping clients maximize their borrowing capacity while maintaining safe loan-to-value (LTV) ratios to protect their equity.