equitable charge vs legal charge

Legal Charge vs Equitable Charge

Legal Charge vs Equitable Charge What’s the difference? Over the last few years, we have seen a resurgence of equitable charges over property with lenders happy to advance based on an equitable charge rather than a legal charge. For the borrower, this normally generates the question of ‘what’s the difference?’. The Legal Charge A legal
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HMO properties Friends Effect

Financing HMO Properties – The Friends Effect

Financing HMO Properties – The Friends Effect The Government briefing paper on HMOs (Houses of multiple occupancy) showed that there were 497,000 licensed HMO properties in England and Wales. The HMO is the fastest growing sector of the private rental market. Traditionally the HMO was considered the lower-cost rental option. The assumption being that lower
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buy to let mortgage

Limited Company Buy To Let – Why You Can Borrow More

Limited Company Buy To Let There has been a significant increase in buy to let lending within limited companies. One of the major reasons is that with everything else being equal, the borrower can borrow more as a limited company than they can as an individual applicant. Most applicants understand this and take it as
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gap in the market lending analogy

Growth Funding – It’s not about the gap in the market

Why Growth Funding Fails It’s not about the gap in the market, it’s about the market in the gap. Not a new line, but still one that is often forgotten or misunderstood. It is something I often see when a business is trying to justify it’s growth plans and projections. It is also something that
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Mortgage payments as percentage of income

Family Mortgages & Gifted Deposits

Family Mortgages & Gifted Deposits House prices in the UK have risen sharply over the last 20 years, no great surprise there. Wages have grown less sharply. In the same 20 year period mortgage payments have risen from 20% of take-home pay to 35% of take-home pay. In London, this reaches 64%. These two graphs
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