J3 Advisory is the integrated risk and finance advisor supporting developers and lenders across complex UK real estate projects.
In practice, J3 Advisory is best known for advising on and broking latent defects and construction insurance on complex schemes. We work closely with developers, funders and professional teams to ensure insurance structures align with lender requirements, construction risk and delivery programmes.
Property transactions rarely fail for lack of opportunity. More often, momentum is lost when legal risk, insurance strategy and funding decisions are considered in isolation. J3 Advisory sits across these disciplines, helping clients progress transactions with clarity, confidence and pace.
Our advice spans latent defects and structural insurance, legal indemnities, construction-related risk and structured property finance. Each element is considered in the context of the wider transaction, reflecting how projects are assessed in practice by lenders, investors and credit committees.
J3 Advisory advises a broad cross-section of organisations operating across the UK real estate market. This includes global real estate advisory and professional services firms, where we support restructuring, monitoring and lender-led instructions on complex and often time-sensitive transactions, as well as institutional developers, investors and main contractors delivering complex residential and mixed-use schemes where insurance strategy needs to align with funding structures, construction methodology and exit considerations.
This approach is reflected in J3 Advisory’s project experience, including work on complex residential and mixed-use schemes involving institutional capital and scaled delivery platforms, alongside organisations such as Cain International, Fusion Student and Olympian, and with main contractors including HG Construction. Across these instructions, J3 Advisory’s role is to bring clarity at points of complexity, ensuring insurance strategy supports lender acceptance, delivery certainty and transaction progress
In addition to new developments, J3 Advisory advises on part-complete and distressed projects, including schemes in receivership. This typically involves reviewing the stage of works and existing inspection records, and advising on appropriate replacement structural warranties to support refinancing, completion or exit. Throughout the process, careful emphasis is placed on presenting clear, underwriter-ready information, ensuring terms are secured from the right parts of the market and aligned with the client’s wider strategy.
Alongside insurance advisory, J3 Advisory also supports funding-led transactions, advising on structured property finance where lender confidence, timing and execution certainty are critical. This includes development and bridging finance mandates on residential schemes, as well as refinancing scenarios where insurance strategy and funding requirements must be aligned to enable progress.