It has been our dream for years to run a whisky themed B&B in Speyside/Moray. All though we did a lot of research ourselves and developed the outline of a business plan, it was difficult for us – being Dutch and without experience in starting a hospitality business – to come up with the necessary figures and obtain funding. We almost give up on our dream when we heard of Stewart Hindley and contacted them. They reviewed our ideas and financial situation and advised our dream was possible. They helped us with our business plan and knew which lenders to approach. They supported us at every step in the process, both with their extensive expertise and – equally important – mental support. We could trouble them with any question we had, answers were always provided quickly and in a way we exactly understood what was going on. After obtaining the commercial mortgage there were problems in the conveyancing of the property we had set our eyes on. All though beyond the scope of their service Stewart Hindley kept in touch with us and relevant parties, they did everything they could to help us to get this sorted. And in the end, all came right and we are now the proud owners of The Gables Whisky B&B. Carol, thank you so much for everything, we could not have realised our dream without you!
Anne Jan & Siebette – The Gables
Edenfield, Bury, Greater Manchester
I was recommended Stewart Hindley as I was told that they specialise in obtaining debt for the hospitality sector. Upon speaking to Chris for the first time I was told that they would do everything they could to obtain the loan to value ratio that I requested. It took no time at all for a suitable creditor to be found and, with an incredible short time-frame to work with, Chris was able to get everything across the line in time for me to start trading by Christmas 2018.
I can’t recommend their team highly enough!
Dan Wilcock – The Coach @ Edenfield
Lynton – North Devon
From the first moment we contacted Stewart Hindley & Partners and spoke to Carol and then Mike Cox they could not have been more helpful, they were straight on the case working at such a speed it was brilliant. Mike took away so much pressure and stress normally associated with a purchase like this, he spoke to us in such an open and honest way it was really refreshing. His professionalism was superb and we are very grateful to him. We know Carol did so much behind the scenes too. We have no hesitation in recommending Mike Cox at Stewart Hindley & Partners 100 per cent.
Ness and Phil, Rockvale House
I would absolutely recommend Stewart Hindley’s expertise in commercial mortgages. Mike Cox was excellent in keeping the process rolling and being professional even in difficult times. The rates offered saved me money in the long run, exactly what we needed with a new business. Mike’s help with the business plan and the banking interview process was invaluable.
Thank you for all the help and support!
Selma & Anel Begic – Cambridge B&B
Scotland – Kingussie
We tried initially to secure a business mortgage for Arden House ourselves but this was unsuccessful. Not to be deterred, we recalled how on Karen’s course she had recommended going with a broker and had suggested Steward Hindley. Following an initial email, Mike, our broker helped us to revise our business plan and put us in touch with potential lenders. As we were new to the whole process of purchasing a B&B, the help and support given by Mike was invaluable and we managed to secure funding. We believe that without Stewart Hindley we would never have secured the funding we needed and can’t thank Mike enough. It still feels unreal that we now actually own Arden House and have given up the 9-5.
Janet & Graham – Arden House, Kingussie
Scotland – North Coast 500
We would like to thank Stewart, Hindley & Partners, and especially Carol for all their time, the nice telephone calls, emails. They always gave us a quick reply if we had questions, they helped us with all the figures of the B&B’s we were looking at. It was lovely and supporting to have Carol with us during our call with the RBS, all the advice, their ideas about the properties. We felt that Stewart Hindley & Partners were there for us, for our best interest. We really felt supported and loved. The way of contact was Professional and personal.
Edwin de Jong & Irma Siemons
I think fate played a hand in which business I purchased as I am so pleased I have ended up in Weymouth at Channel View. Carol and Chris have been a wonderful support throughout the process and their advice and knowledge of the market has been invaluable. I wouldn’t have been able to approach the bank or been successful on both occasions without their help and they have been a friendly voice through such a huge life changing project.
When we first saw The Old Bakery we fell in love with both the property and the village however it was more than we had initially wanted to spend. Having got the details about Stewart Hindley & Partners on a ‘how to run a bed and breakfast’ course we attended we thought we’d give them a go.
Throughout the process Mike was extremely helpful and kept us up to date with how things were progressing. You can imagine that being in Australia the time difference was sometimes a problem but even when we had to do phone conferences with the banks Mike managed it all perfectly even to the point of organising a conference call before hand in order to explain how it would proceed. We are very glad we came across Stewart Hindley and Partners as we are now living at The Old Bakery and have already welcomed our first guests.
Theresa & Jim
With the benefit of experience in large corporations as well as owner run entrepreneurial environments, nothing could have prepared us for the challenges we faced in raising finance in the right structure for the purchase of Penvith Barns.
The level of hurdles we experienced for our purchase, that we could not have got around without Chris, seemed insurmountable. However his guidance and partnership along every step of the journey was invaluable.
From helping us to interview potential lenders, let alone lining them up in the first place, to cancelling holiday plans as we got closer to exchange contracts, seemed all part of the service.
The joy of the organisation is enforced by the ability to help structure our business in the most efficient way to ease our structure as we develop the business and move forward with their knowledge and experience.
Without Stewart Hindley and Partners our dream and lifestyle change simple would not have happened and we can’t thank them enough.
Theresa Nicholson – Penvith Barns, Cornwall
Making the decision to give up the regular ‘9 to 5’ life in Leicestershire was the fun part – starting to wade through the extensive information and processes to make buying a B&B a reality; not so fun!
Thankfully we discovered Stewart Hindley & Partners and from there on the journey was, quite honestly, a very positive and confident one. There are few organisations who successfully combine high professional standards with sincere empathy and personality – we experienced both working with Chris and Carol; both of whom were always at the end of the phone any time to advise us, answer any questions and guide us through this process.
If you are planning to go down the route of purchasing a B&B we absolutely recommend Stewart Hindley & Partners all the way – you can’t go wrong with them!
Samantha & Glenn – Beaufort House Bed & Breakfast, Fort Augustus
“Stewart Hindley and Partners offered me a professional, helpful and reliable service, the service they offered was first class from start to finish. Stewart Hindley and Partners drew up a business plan and enabled me to secure a commercial mortgage for purchasing a Guesthouse and pursuing my goal in Llandudno North Wales. Further to the above I would highly recommend Stewart Hindley and Partners to any other small or large business wishing to obtain finances in said projects”
Lee Scott – Proprietor, The Capri Guesthouse
My husband and I came to a point in our lives when the children were leaving home and doing their own thing, so we decided to have a complete career change as well as a huge move from Manchester, where we lived all our lives and move to Devon to buy a B&B. Something we had no past experience with and no clue on how to go about starting the process of getting finance for one.
We did a lot of research on different companies that deal with Commercial Mortgages and finance and came across Stewart Hindley and Partners.
From the minute we made contact with them until we exchanged contracts for our new property, they were absolutely amazing. Our case manager was Carol Jones. Carol talked our language and made everything so clear to us. From doing business plans, arranging finance with a well know high street bank, something we could never have done without her. She even came along to the final meeting to complete the finance process. Carol and her team were always there to answer any questions we had and simply made what was such a stressful time in our lives, so much easier.
We can honestly say, we would never have got through the past year without their help. They are truly an amazing team. We are now living happily in our new B&B called Blenheim house in Torquay Devon and we have made a new friend in Carol who we thank so much.
Elaine & Lee Ratcliffe – Blenheim House B&B
“My journey into the world of becoming a B&B owner began in early 2016. I found the most beautiful house in an idyllic location which seemed affordable.
I approached my own bank and a broker who was recommended to me, all initial enquiries seemed positive but it soon became apparent this was not going to be an easy ride. My bank having initially been positive said no and the broker didn’t fill me with confidence either so I turned to the internet for some research.
I discovered a couple of articles of interest to me. One was on a B&B owner, Karen Thorne, who runs B&B courses for beginners. The other was on a company who specialised in hospitality businesses finance, enter Chris and Carol at Stewart Hindley.
From my first conversation with Chris I was filled with a renewed confidence. Not only did he know his business he knew the area I was looking to buy in too.
As this was all new to me I did advise Chris I would need “hand holding” through the process. What could have been a relatively straightforward purchase turned out to be anything but. The difficulties we faced gaining the finance I required were testing to say the least. Chris remained supportive and diligently professional throughout. I never at any point loose my confidence in him and the ability to get the deal over the line.
I have to say the whole experience was incredibly tense and stressful but without Chris and the team I doubt I would have been able to realise my dream.
On 20th November 2016 I finally completed on Morwendon House, two month in I couldn’t be happier.
I can highly recommend the team at Steward Hindley, a lucky find for me on the internet.”
Kate Moyce – Morwendon House
Chris McDonagh and Carol Jones at Stewart Hindley & Partners were fundamental in quickly securing a number of extremely favorable offers of finance. From initial discussions around purchasing The Beaumont right though to completion we were in constant contact be it regarding the finance or for advice on any other aspect of the deal. I would not hesitate to work with Chris and Carol in the future or recommend them to anyone looking to embark on a similar deal
Roger & Magdalena Davy – The Beaumont Hotel
Both Carol Jones and Chris McDonagh at Stewart Hindley & Partners were instrumental in helping us achieve our dream of owning a Guest House business in Perthshire. With our determination and their expertise, against all odds, the ultimate goal was eventually realised.
Carol and Chris took us step by step through every process in dealing with our lender and even went out of their way to help us find a solicitor and insurer.
It is fair to say that we had a rollercoaster journey with high street lenders prior to dealing with Stewart Hindley & Partners. If we had dealt with them from the start, our journey would undoubtedly have been so much smoother. It is testament to Chris and Carol’s belief in us that our business is the success that it is.
We would have absolutely no hesitation in recommending Stewart Hindley & Partners to anyone else embarking on a similar lifestyle change.
We would like to take this opportunity to formally thank Carol and Chris for getting us to our final destination.
Gary Hack & Nigel Robinson – Ivybank Lodge
Right from our initial enquiry, it was clear that Chris McDonagh knew his stuff and was quickly able to provide us with what turned out to be a very accurate breakdown of the likely costs. The whole process was completed with the minimum of fuss and on time. Throughout, Chris and Carol Jones were actively involved in the process (including accompanying us on visits to the bank and briefing valuers) recommending other professionals such as insurers, keeping us fully informed of progress. They were always on hand to answer questions and provide reassurance and advice. Having used brokers in the past, the service we received here was on a completely different level, and we’d not hesitate to use them again.
Chris Oakland & Sandra Baddeley – Tir-y-Coed
“After deciding that now was the time to make the change and do something for ourselves, and making sure the numbers added up we set about trying to get a commercial mortgage. Our first port of call was our long term “regular” bank who were less than useless, as we found were other higher profile lenders! Determined to not be put off by it, we searched the internet and Stewart Hindley & Partners were there. After an initial chat with Carol the ball quickly started to roll, and, after 2 months here we are eagerly awaiting the keys to our new lives! Carol was a joy to deal with and always at the end of a phone or an email, and Chris provided very insightful tips and information throughout. We wish to thank them for all the help and information they’ve put our way.”
Julia and Alec Gibson – The Beaches
“We would have no hesitation in recommending your company and services, you were friendly and easy to deal with in a professional manner, taking the stress and strains away from us”.
Liam & Lynn Fee – Elton Guest House
“We as a family are thrilled to be the new owners of The Inveraray Inn. This historic hotel is one of the most iconic hotels in the West of Scotland and compliments our other asset perfectly. We could not be happier with the services provided by Stewart Hindley & Partners and would not hesitate to recommend them to others.”
Geaspar Byrne – Inveraray Inn
“What can I say? I stumbled across Stewart Hindley’s website at a time when we were completely disillusioned with the services (or lack of them) being offered by our existing lenders, a popular High Street bank. We had made the decision to refinance and an email was sent to Stewart Hindley requesting that they contact us which, very promptly, they did. Chris made the journey up to Cumbria and we were immediately put at ease by him and had every confidence that he would find us the finance we needed. We were asked to request a redemption figure from the bank which we duly did and, after numerous phone calls to chase the information, we were finally given the figure plus the ‘break cost’ required to terminate the loan early. We were horrified as, being totally naïve in the world of commercial finance, we had no idea that we had signed up to a loan with such excessive break costs attached. Chris immediately liaised with the bank on our behalf and, to cut a very long story short, the decision was made that we should continue with our refinancing plans (which Chris successfully arranged) and, at the same time, pursue a claim of mis-selling against our original lenders.
Throughout the whole, very stressful, procedure, Chris and Carol were calm, professional and helped us far beyond the call of duty and I cannot praise them highly enough. I would not hesitate to recommend them or to use their services again (watch them diving for cover and blocking my phone number and email address!!). Carol particularly was so patient, listening quietly to my rantings over the phone when I needed to let off steam to someone who knew what we were going through and I can’t thank her enough for that.
Deb Edwards – Forest How
“We are very satisfied with the support that we received from Chris and Carol at Stewart Hindley. Always professional, Stewart Hindley were helpful and proactive in what turned out to be an unusually difficult process. We were truly grateful to have them on our side and we believe that they added a lot to the success of the project, especially in keeping the loan on the table during the delays! Certainly our recommendation to anyone considering doing a transaction like the one we did would be to use Stewart Hindley – definitely a very competent & committed team that is client focused!”
Alan & Halina Hood
“We are so grateful for the high level of support, advice and sound business knowledge of both Chris and Carol from Stewart Hindley & Partners LLP, who were instrumental in helping Richard and I achieve our goal of purchasing a Guest House in the beautiful highlands of Scotland….thanks to them, we are both now living the dream, thank you”
Richard & Louise Lennox – Glen Shieling House
“Having approached the high street lenders and our local broker we were firmly met with a brick wall. After a little research online we decided to give Stuart Hindley a call. We spoke with Chris who explained the process and within 24 hours we had a decision in principle. The terms were far better than the deals we had initially applied for with the high street lenders. From start to finish Carol and Chris were extremely helpful, friendly and a pleasure to deal with. All e-mails were answered promptly, phone calls were usually answered and where messages were left return calls were received without delay (so rare these days). Thanks to Carol and Chris for allowing us to achieve our dream, we will call you once again when we make our next purchase.”
David and Emma – Melrose Guest House