Howard Cramer has 35 years’ experience in the property business, first as an estate agent, before working for various property companies, including Bovis Homes, where he specialised in development land tax and off-balance sheet joint ventures, and also set up their London Docklands office. HCA started as a land agency specialist before diversifying into buying, development and rentals in London and the Southeast, and joint venture projects. A particular speciality is in environmentally sustainable projects that are also economically viable.