Tom Brown | Managing Director, Real Estate


Tom leads the origination, assessment and management of investments within the real estate sector.

Since 2020, Tom has been the lead contact as part of Ingenious’ membership of the UK Green Building Council showing the team’s commitment to supporting a sustainable built environment.

Prior to joining Ingenious, Tom spent 27 years at The Royal Bank of Scotland working extensively within the real estate finance sector, supporting developers and investors. More recently, Tom was a key member of the bank’s Capital Resolution Division, negotiating the divestment of a portfolio of the bank’s non-core real estate lending. Assets included residential, commercial and hotel backed loans in locations across England and Scotland.

Tom began his career at NatWest Harrow Weald branch in North West London, working in various retail banking roles, before joining the Bank’s Corporate Banking division as a team head in 1998. Since 2000 Tom has worked almost exclusively in the real estate lending sector.

Howard Sefton | Senior Investment Director


Howard is responsible for origination, assessment, and management of debt investments within the real estate sector.

Prior to joining Ingenious, Howard spent 9 years at The Royal Bank of Scotland working extensively within the real estate finance sector. More recently, Howard spent 2 years working at Deutsche Bank, as part of the European Real Estate Credit team, covering a multitude of asset classes and loan types.

Howard is a graduate of the University of Birmingham, and began his career on the Graduate Scheme at Royal Bank of Scotland, and has worked almost exclusively in the real estate lending sector.

Michael Knox | Investment Director


Mike is an Investment Director in the real estate finance team, responsible for the origination, assessment and management of debt investments within the real estate sector.

Prior to joining Ingenious, Mike spent 16 years at The Royal Bank of Scotland in the origination, restructuring and capital resolution divisions, working extensively in the real estate lending sector.

More recently, Mike spent almost 2 years at Arbuthnot Latham where he built and led a team in the Commercial Bank.

Andrew Lipscombe | Investment Director


Andrew has over 11 years’ experience in real estate finance with previous roles at RBS, Santander and Pluto Finance. During this period he has specialised in residential and commercial development. With experience of having closed in excess of £900m of property transactions for FTSE listed property companies.

Harry Cloke | Investment Director


Harry is responsible for the assessment and origination of debt investments. He previously worked at Imperial Blue Finance where he structured equity, mezzanine, development, and bridging investments for a range of residential and commercial assets. Prior to that, Harry worked in CBRE’s Research & Strategy Team, based in Madrid, and has also worked at the Foreign & Commonwealth Office.

Andrew Bidwell | Investment Director


Andrew has responsibility for the ongoing management of the real estate loan portfolio book. He has over 14 years’ experience in real estate lending and prior to joining Ingenious, worked as a Relationship Manager at Lloyds Banking Group looking after a portfolio in excess of £350m.

Dimitriy Williamson | Senior Investment Manager


Dimitriy has over 11 years’ experience in the real estate and construction industries with previous roles at Capita, Naismiths and Currie & Brown. During this period, he has specialised in bank and fund monitoring working with a variety of funds, specialist lenders and high street banks. Dimitriy has monitored projects in residential, hospitality, student accommodation and industrial sectors with a total GDV in excess of £1bn in the UK.

The information on this page is correct as at the time of writing, but may be subject to change.

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