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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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 & 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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What is Top Slicing? Let’s remember that the whole financial sector loves an acronym and loves a sound bite. Top Slicing sounds more like my golf game, but it is all about buy to let lending and using other income to support a shortfall in rental income. It works where the traditional lending to rental
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Business Funding Options If you buy a car then you do so because you need to get around, you need to be able to travel and remain mobile. The car you choose is probably based on the following; You like the car and have seen it advertised Always drive this brand The right size/type and
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