Paul Agnew, senior consultant at MCIFA, joined the firm ten years ago in search of a more meaningful and relationship driven vocation after a stint in the pension advice arena. He felt property finance was more dynamic and challenging: ‘I like the emotional transaction element of it,’ enthuses the economics graduate, who has been working closely with the clients of family offices and private wealth advisers. Agnew is most proud of the firm’s comprehensive service and rigorous market knowledge. ‘We’ve got access to every lender in the UK and we know who the best ones are,’ he says. He’s noticed a significant change in financial regulations since the 2008 crisis: banks are more cautious than ever to lend, demanding more due diligence and risk management. There are more flexible but still equally compliant non-banking lenders in the sphere, he says, which the firm capitalises on to help clients secure financing for their main residences, developments, buy-to-lets and commercial properties. ‘The whole market has adapted to stricter rules, and the consequence of that is more thorough underwriting,’ he adds. ‘More people are finding it harder to borrow — I make it easier.’ Borrowers keep coming back for the quality of service they receive and professional advisers continue to refer clients.