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Andrew Fraser, Assetz Capital’ s CCO examines why finance, viability and certainty remain critical

Can you tell us about your career journey, and how it has shaped your view of the property and development market today? I’ ve spent more than 25 years in property construction finance, working through multiple market cycles alongside developers and from the banking side of the industry. That experience has given me a strong appreciation for the challenges that economic uncertainty, regulatory requirements, and changing market conditions can create.

Today, there is a perception that finance is primarily about securing the lowest price. While pricing is important, my experience has shown that long-term success is built on something far more valuable: consistent, knowledgeable support throughout the entire transaction. The strongest relationships are true partnerships, where both parties work collaboratively to navigate challenges and stay focused on delivering successful outcomes.

One of the key lessons I’ ve learned is that reliability and commitment matter just as much as competitive terms. Some newer market entrants can underestimate the importance of partnership, which can leave developers unsupported when challenges arise mid-process. In contrast, I believe the best results come from working alongside

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