buy to let mortgage

Limited Company Buy To Let – Why You Can Borrow More

Limited Company Buy To Let There has been a significant increase in buy to let lending within limited companies. One of the major reasons is that with everything else being equal, the borrower can borrow more as a limited company than they can as an individual applicant. Most applicants understand this and take it as
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gap in the market lending analogy

Growth Funding – It’s not about the gap in the market

Why Growth Funding Fails It’s not about the gap in the market, it’s about the market in the gap. Not a new line, but still one that is often forgotten or misunderstood. It is something I often see when a business is trying to justify it’s growth plans and projections. It is also something that
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what is company administration

What is Company Administration?

What Is Company Administration? A common term that appears in the mainstream pretty frequently, but what is a ‘company administration’ and what does it actually do? If a company is being threatened by its creditors (i.e. – a landlord, HMRC, lender, suppliers, credit card providers, etc.) and there is a risk that the company could
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Mortgage payments as percentage of income

Family Mortgages & Gifted Deposits

Family Mortgages & Gifted Deposits House prices in the UK have risen sharply over the last 20 years, no great surprise there. Wages have grown less sharply. In the same 20 year period mortgage payments have risen from 20% of take-home pay to 35% of take-home pay. In London, this reaches 64%. These two graphs
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Calendar picture

Seasonality & Financing Seasonal Trends

Seasonality & Financing Seasonal Trends The fact is that almost every business is seasonal in some way, there are largely predictable periods of high and low, busy and quiet. The strange part is there is very little research around the impact of seasonality, there is even less around how businesses should be contingency planning and
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Photo by Alisina Elyasi on Unsplash

Why Businesses With Cash Borrow

Why businesses with cash borrow A few weeks ago I was in a room of financial advisers talking about commercial borrowing. A difficult audience as, the too often heard statement, of ‘my clients have cash’ reared its head as a reason why businesses don’t need to borrow. The fact remains that businesses with cash and
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