Property finance misconceptions

Common Misconceptions About Property Finance

What I Wish I Had Known I always hated those introductions you make to a new group, perhaps at a networking do or on a course. One of the worst was ‘what do you know now that you wish you knew when you were 18?’. I won’t answer that as I once gave a wrongly
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business lending misconceptions

Misconceptions About Business Finance

Not A Lot Of People Know That The best way to demystify a few misconceptions about business lending is to start by quoting Michael Caine. Whilst I can’t promise this will blow your blo*dy doors off, it may make you think a little differently. I Never Used To Use Amazon Roll the clock back 10
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lost in translation 2

More Lost in Translation

Lenders Don’t Understand My Business I have written previously about why borrowers and lenders see things very differently, it is a glass half full or glass half empty scenario. What makes things worse is that the narrative and language used by a borrower and a lender is often the same, but the meaning or intention
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Solving & Repairing Credit

Solving & Repairing Credit Credit scores? I argued for a long time that credit scores don’t actually exist. All lenders take a view on what is and isn’t acceptable to them. The more interesting part is the detail that makes up the credit rating. That still stands. However, more and more suppliers, as well as
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Commercial Mortgage limited time deals

Commercial Mortgage – Is Competition Back?

Commercial Mortgages – Is Competition Back? For the last few years the cost of commercial mortgage borrowing has steadied but has remained fairly static across the market. We have seen no real breakaway in competition or divergence in interest rates. There are a few signs that is changing. Since the outbreak of Covid we have
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recovery loan scheme latest news

Recovery Loan Scheme – Latest Updates

Recovery Loan Scheme (RLS) The successor to CBILS and BBLS (and probably EFG also) remains on track to launch on 1st April, traditionally not a good day for anything to be taken too seriously, however there are some serious facts emerging. For details on how to apply then click here and we will send them
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increasing bounce back loans interruption loan info

Increasing Bounce Back Loans & Interruption Loans

Increasing Bounce Back Loans & Interruption Loans There has been a fair bit of change around the terms on which these loans were offered. Some of it, I’m pleased to say has seen common sense prevail. That said, the deadline for these loans remains 31st January and there doesn’t look like being a further extension.
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mortgage payment holiday

The Impact of a Payment Holiday

The Impact of Taking a Payment Holiday This is an excerpt from The Money Advice Service about mortgage holidays; You can apply for a mortgage payment holiday of up to three months, where you take a temporary break from paying your mortgage All well and good. But, there is an impact, the unintended consequence as
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