Understanding the Differences Between SIPP and SASS

Understanding the Differences Between SIPP and SASS

Understanding the Differences Between SIPP and SASS Commercial Mortgages for SIPPs and SASSs are something that has never been as popular as it was promised to be, when we talk to clients about their pension borrowing to purchase commercial property one of the first questions that comes up is where the difference is between a
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Why Commercial Mortgage Finance Is More Expensive Than Residential

Why Commercial Mortgage Finance Is More Expensive Than Residential

Why Commercial Mortgage Finance Is More Expensive Than Residential When it comes to financing properties it is something we love doing. One question that often occurs is why there is a disparity in interest rates between commercial mortgages and residential mortgages? This price discrepancy is rooted in several factors, each contributing to the higher costs
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loan to value myths busted

Property Finance – Why a lower LTV means a higher loan

Property Finance – Why a lower LTV means a higher loan Loan to value ratios, the amount as a percentage of a property value that will lender will lend to you. Some lenders lend 80% of property value, others will lend 70% of a property value sounds simple, but it isn’t ever quite that straightforward.
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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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default and risk statistics

The Covid Impact on Defaults, Risk & Lending

The Covid Impact on Defaults, Risk & Lending And why it matters to you… There is always media coverage and perception of what is going on when it comes to lending, ‘borrowing’ and ‘debt’. We see coverage of what lenders are doing and how it can be difficult to borrow, easy to borrow or that
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rental yields flat

Rentals incomes on the move

Rental Incomes on The Move It seems to have been a rollercoaster ride for the residential rental sector over the last 18 months, leading us to a place where very few would have predicted when the pandemic began. Back at the start of the pandemic we saw lenders withdraw, nervous of job losses, voids and
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what is top slicing

What is Top Slicing?

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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buy to let first time buyers

Property Investor & Buy to Let Uncertainty?

Property Investor & Buy to Let Uncertainty? There is a lot, and I mean a lot, of activity in the property market at the moment. I refer to investors and buy to let owners seeking to refinance and acquire new stock. One question is always about uncertainty. A lot of property investors seem to have
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