With over 30 years’ commercial property investment and development experience, Toby began his career in retail and hospitality. He launched First Property Finance in 1989, which specialised in selling commercial mortgages, and later set up First Property Funding Ltd, which grew his client base and moved into investment and development finance. In 1992, Toby expanded his skillsets, moving away from finance broking and acting for a select group of wealthy individuals, advising them on property investment, lease management, acquisitions, and finance structures. Having gained the experience and knowledge which allowed him to create Waterbridge Group Ltd in 1993, Toby was able to integrate his clients and establish many different private client property funds investing in the UK, with assets under management totalling around £300 million. Waterbridge also carried out property development, including planning, construction and the operation of hotels, serviced offices and self storage. Toby now brings his vast wealth of experience and contacts to his select Maritime Capital clients, helping them manage their assets in the most beneficial ways possible.