About Us

J3 Advisory

Overview

Structural Defects Insurance, Legal Indemnities & Structured Property Finance Specialists

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.

This approach is reflected in J3 Advisory’s project experience. The firm has supported AMA Homes on bespoke residential developments, advising on structural warranty solutions aligned with non-standard construction methods and lender requirements. J3 Advisory has also advised on Brook House, a widely referenced and complex scheme, providing structural insurance strategy on a high-profile project.

Alongside this, J3 Advisory has acted in an insurance advisory capacity for established developers including Capital & Centric, Vabel and Skillcrown, advising on construction and structural insurance arrangements across complex residential schemes.

In addition to insurance advisory, J3 Advisory supports funding-led transactions where capital structure and risk alignment are critical. This includes advising on structured property finance for residential developments and part-complete schemes, where lender confidence, timing and execution certainty are key considerations.

Our mission

J3 Advisory’s role is to support sound decision-making across complex real estate transactions.

In practice, this means advising at moments where construction risk, insurance structures, legal exposure and funding requirements converge. By working across latent defects insurance, legal indemnities and property finance, J3 Advisory reduces friction at critical stages and supports decisions that allow projects to progress.

Advice is independent, commercially grounded and shaped by how transactions actually complete – Not by siloed products or theoretical structures.

Why we exist

J3 Advisory was established in response to a recurring challenge in complex property transactions: construction risk, insurance and capital are too often advised on separately, despite being closely linked in reality.

As projects become larger, more complex and more closely scrutinised, developers and lenders need clarity on how latent defects insurance, legal risk and funding strategy interact. When these elements are not aligned, otherwise viable transactions can stall, reprice or lose momentum.

J3 Advisory exists to bring these perspectives together. By aligning latent defects and structural insurance, legal indemnities and property finance strategy, the firm supports transactions where experience, judgement and timing matter most – Particularly across large-scale Build to Rent and PBSA schemes, bespoke residential developments and funding-led projects.

Our Values

Our shared values inspire and guide everything we do:

01

Loyalty and

respect

We believe passionately that long term relationships are built on loyalty and mutual respect, but that respect is something we earn, not something that can be demanded.

02

Moral and

ethical behaviour

We hold ourselves to the highest standards of moral and ethical behaviour, always behaving in the right way towards our clients, lenders and insurance partners.

03

Inclusivity and

diversity

Our culture fosters inclusiveness, diversity and an entrepreneurial mindset. Everybody’s opinion is equally valuable no matter their background, gender or sexuality.

Behaviours you can expect from us

01

Emotional intelligence

Emotional intelligence is at the heart of what we do. Allowing us to be self-aware and empathetic, while building stronger relationships.

02

Collaboration

We prioritise collaboration, creating a culture that fosters teamwork, shared input and an entrepreneurial mindset in the pursuit of professional and personal excellence.

03

Results-focused

We are results-driven to get the best deals and achieve the best outcomes for our clients. Our fresh thinking means our approach is tailored and unique to each client.

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