Jonathan Sealey

Jonathan Sealey is chief executive of Hope Capital

The trouble is, comical as Walliams’ satire is, the ‘computer says no’ culture is actually a lot more prevalent than we care to admit. And even worse than ‘computer says no’ is ‘computer says yes’ and then changes its mind to say no again.

I am excited about where the future might lead us.

Bridging in 2018

Mortgage delays were cited as the most popular reason for obtaining a bridging loan in Q3 this year, while average LTVs reached 49.6% during Q3 this year.

Any fee or payment must be clear and declared at the outset, so that the borrower knows exactly how much it will cost, both upfront and over the course of the bridging loan.

Lenders should stick to what they know and what they are good at.

If it was a simple solution it would have been in place many years ago.

Commentators should be rightly concerned of any increase in this sort of bridging.

The appearance of ‘business as usual’ could well help it to become a self-fulfilling prophesy

The biggest risk will be if a platform itself goes down

A more versatile approach is vital if future dreams are to be realised and we, and the world around us, continue to evolve.