Josh Thompson (pictured above, left) joined as senior underwriter on 1st September, followed by Emma Stone (pictured above, right), who joined as senior bridging underwriter on 15th September.

Both will be based at StreamBank’s Cardiff office.

Josh brings extensive experience in property and planning, having held senior roles at CrowdProperty and Thomas Mae Land & Planning.

He will play a key role in assessing new development and refurbishment deals, with a particular focus on build cost analysis and viability.

Emma joins from Glenhawk, where she led regulated and unregulated bridging underwriting.

Having spent almost 30 years in the mortgage industry, she has held senior positions at Admiral Money, Foundation Home Loans, and Optimum Credit.

Emma will focus on complex bridging transactions and will work closely with brokers.

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Roz Cawood, managing director of property finance at StreamBank, commented: “Josh and Emma bring a depth of expertise that reflects the calibre of underwriters we want representing us and their understanding of both the technical and commercial aspects of specialist lending means they can engage with brokers at a senior level.

“As we continue to grow our bridging and development offering, it’s vital that our underwriting team reflects the complexity of the cases we take on, and the high expectations of the brokers we work with.”

Josh said: “What drew me to StreamBank was the way it combines quick decision-making with a genuine understanding of what brokers and borrowers need, especially when things aren’t straightforward.

“Having spent years in surveying and development, I know just how many moving parts there are in a deal and I’m looking forward to working side by side with brokers to find solutions that make sense.”

Emma added: “I really appreciate how closely the StreamBank team works together, and how accessible the underwriters are to brokers.

“That kind of open communication makes a real difference, especially when you’re under pressure to get a deal through quickly.

“I’ve worked across a range of lending environments, and I know that a common-sense approach, backed by solid experience, is often what gets the job done.”