interest rate rises explained

Interest Rate Warning – Rate Rises Explained

Interest Rate Warning – Rate Rises Explained Let me caveat this with saying this post has been written on 28th September, they say a week is a long time in politics, it is almost a lifetime in economic terms… The first thing to realise about interest rates is that they were never, ever, going to
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commercial mortgages business property trading

Commercial Mortgages – Cheaper & For Any Business Purpose?

Commercial Mortgages – Cheaper & For Any Business Purpose? Lower cost and more flexible commercial mortgage lending sounds great. Doesn’t it? Let’s bring back an old friend to help, The Recovery Loan Scheme. Now branded as the trendy new RLS 3.0, it’s almost as if the British Business Bank asked Apple what to call the
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financing tax

How To Finance Your Tax Bill

How To Finance Your Tax Bill Why does the thought of that impending tax bill get me down? I know it’s coming, I have even put funds aside for it, but it still hurts to see it paid out to HMRC when I know I could be reinvesting within the business or using those funds
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fixed rate mortgage warning

Rising Interest Rates – Why Cost is NOT the big issue

Rising Interest Rates – Why Cost is NOT the big issue The biggest problem with rising interest rates is not that it increases the cost of your finance. Let that sink in… The biggest issue with rising interest rates is not that it will increase the cost of your finance but that it changes the
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loan to value myths busted

Property Finance – Why a lower LTV means a higher loan

Property Finance – Why a lower LTV means a higher loan Loan to value ratios, the amount as a percentage of a property value that will lender will lend to you. Some lenders lend 80% of property value, others will lend 70% of a property value sounds simple, but it isn’t ever quite that straightforward.
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fixed rate mortgages

Fixed Rate Mortgages – Read This Now

Fixed Rate Mortgages – Need To Know Now This is about expiring fixed rates and it matters. The most common period for any fixed rate borrowing (especially commercial mortgages) is five years. The bit that always catches our clients is just how short a period of time five years is, it goes quickly, really quickly. 
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cash flow mortgages

Commercial Mortgage – Better For Cash Flow?

Commercial Mortgages – Cash Flow Friendly Business often think of cashflow when it comes to invoicing and looking at what is in the bank, they also look at the terms they get from suppliers and those they offer to clients. The cashflow item they often miss is when borrowing. Take a standard commercial mortgage. It
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approving business lending

How to get lending approved easier

How to get lending approved easier Play the man not the ball A sporting analogy that explains why businesses can struggle to raise finance and property developers can find it difficult to secure funding for their next project. What do I mean by play the man not the ball? It is about taking into account
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