HS2 route

When a Property Becomes Unmortgageable

When a property becomes unmortgageable An interesting case came across my desk recently. The client had two buy to let properties in the North West, the client himself lived on the South Coast. I received a call from the client after he had applied to remortgage the properties and after a valuation had been undertaken.
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Laffer Curve

The Laffa Curve – Buy to let mortgages

The Laffer curve I love analogies and business models that can be applied to real world scenarios. My previous favourite was the Dunning Kruger model, now I think that the Laffer Curve has taken top spot. The reason this model grabbed my attention was an article about how revenue generated by buy to let stamp
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business premises

Rent to Buy – The Business Advantage

Rent to Buy In the personal borrowing sector, there is a big argument to say that a history of paying rent should be used as proven affordability for the same level of mortgage repayment. Currently, the ability to afford rent is not considered when applying for a mortgage, the criteria and affordability tests are regulated
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person thinking about mortgage

Why Fixed Rate Mortgages May Be Popular For The Wrong Reasons

Why fixed-rate mortgages may be popular for all the wrong reasons There have been a few articles and reports of late about the rise in popularity of fixed rate mortgages. This has been quoted as being down to good fixed rate offers from lenders and borrowers seeking security. All pretty standard huh? I’m not so
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uk regional grant funding map

Why Regional Grants & Funding Are Not Regional

Why regional grants & funding are not regional I was talking with the British Business Bank the other week when I made a flippant comment about there being a lack of business funding and business grant support schemes in the South East. I am well aware of the regional delivery of these schemes, with the
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Bentley Bros review

How we saved a client £000’s

How we saved a client £000’s Unlike many brokers, we are happy to provide input and guidance to borrowers, even if they are not using our expertise right now. It is, after all, a long game when it comes to our clients. This business replied to a direct advert from another commercial finance broker. That broker
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balance decisions seesaw

Why Paying More For Borrowing Can Cost You Less

Why paying more for borrowing can cost you less There is a belief among many borrowers that the cost of borrowing should be the primary decision tool when it comes to which lender to use. Whilst price is always a consideration, borrowers do look for other factors such as speed of decision, time to draw
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