Jimmy graduated from the University of Cape Town in 2010 with a BCom Honours Degree in Economics. After successful stints working for a number of top real estate debt brokers in London – he noticed a need amongst borrowers for specialist advice in the large loan space. He founded Silver Oak Capital in 2019 – focussing on providing advice for loans between £500k – £20m, secured on assets throughout the UK and abroad. This experience in arranging debt in offshore jurisdictions such as France, Spain, Dubai & South Africa, has allowed Silver Oak Capital to grow into one of Europe’s leading large loan brokers.
Connor graduated from the University of Cape Town in 2022 with a Bachelor of Science in Real Estate. He transitioned to Silver Oak Capital after his tenure as an Underwriting Specialist at IUM (Johannesburg). Connor, currently a CFA candidate, brings extensive experience in research, valuations, and financial analysis to his role.
Joseph graduated with a Bachelor of Business Science specialising in Finance from the University of Cape Town in 2024, and has successfully passed the CFA Level I exam. With a strong foundation in financial analysis and investment principles he joined Silver Oak Capital in 2025. Joseph brings analytical rigour and a detail-oriented approach to aid in delivering value-driven financial solutions, underpinning his passion for providing clarity and value to complex financial decisions.
Sophia’s role within the firm involves maintaining existing investor relations as well as meeting with new traditional lenders and alternative sources of capital. Sophia, through her background in television and media, acts as a strategic advisor and also adds considerable value to the day to day management of our vast network of lender relationships.
We will require some basic detail surrounding your lending query in order to provide you with the proper advice and approach the best lender
Once we have obtained a ‘decision in principle’ from one (or more) of our chosen lenders, we will present the indicative lending proposal to you in a concise and transparent manner.
You will formally engage with us and become our client. We will then immediately begin the application process.
This step will involve due diligence and support documentation gathering. Silver Oak Capital will ensure you are well aware of each and every document you will need in order to satisfy the lenders criteria. We will also assist you with any certification or translation required.
During the application step, we will also begin gathering quotes for a formal valuation. At least three options will be presented to you and we will work with you to ensure your preferred valuer is chosen where possible.
The lender will release a formal offer document – which is a promise to lend. This document will obtain all the details of the loan and will also give you one last opportunity to apply any minor adjustments to the facility before drawdown.
At this stage your solicitor will engage with the lenders’ solicitor to begin working on their pre-completion checklist.
Once all the pre-completion conditions have been met, the funds will be sent to your solicitor to complete the purchase or refinance.
Takes 2-6 Weeks