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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 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 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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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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Furlough Payments – Funding The Delay

Furlough Payments – Funding The Delay The HMRC portal for furlough payments opened this week and saw 140,000 applications inside the first 24 hours. With the delay between the launching of the furlough initiative and the application portal opening at HMRC many companies will already have paid two months salaries with no tangible income. We
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How to improve your credit report

How to improve your credit report These days your credit report is the overriding single factor that influences your access to lending as well as the price and terms that lenders will offer to you. It applies equally to personal borrowers, limited companies and company directors. To improve your credit report you need to understand
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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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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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