recovery loan scheme venn diagram

Why Use Recovery Loan Scheme?

Reasons Why Recovery Loan Scheme Works Let’s start with the obvious. The Coronavirus Business Interruption Loan Scheme (CBILS) was a one off, really good, never to be repeated loan scheme so anything you compare to that is going to leave you disappointed. What you need to do is compare what the Recovery Loan Scheme offers
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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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lost in transalation 1

Lost In Translation

Why Lenders and Borrowers Fail to Understand Each Other Having been a credit underwriter and worked in the commercial lending sector it is easier to take a step back and look at what the lender hears when the borrower says something. I hear the message from my clients but a lender commonly hears something totally
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CBILS to RLS

The Solution For When CBILS Repayments Bite Back

When CBILS Bites Back CBILS finally ended on 31st March 2021, as of June 2020 £38bn had been advanced to 910k businesses. Between now and March 2022 businesses will need to start making repayments to these loans or seek agreement from their lender for special terms outside of the standard CBILS scheme. Many of these
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mortgage arrears statistics

The Mortgage Arrears Dilemma

The Mortgage Arrears Dilemma A recent report highlighted the increase in severe mortgage arrears had increased 16% from Q2 2020 through Q2 2021. Severe mortgage arrears are those loans where the arrears balance is between 2.5% and 5% of the loan total. Buy to let mortgage arrears in the same category have increased 134% in
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IR35 Limited Company

IR35 & Property Investment Demand

IR35 & Property Investment Since April 2021 HMRC introduced changes to IR35. This meant that all public sector clients and medium or large-sized clients outside the public sector became responsible for deciding on the worker’s employment status. This meant that many contractors and freelancers who were IR35 now became employees with their client now being
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