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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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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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 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? 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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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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Growth Voucher Approved We are delighted to have been vetted and approved as a Government Approved Growth Voucher advisor. This means that if you are looking for any of the following, then the Government will provide up to £2,000 of match funding through the Growth Voucher scheme; Loan Finance Cash Flow Finance Mortgage Finance Growth
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What Is The Future of Business Finance? Do you remember when business finance used to be a case of talking to your friendly bank manager and asking for some help? Maybe you remember the days of playing golf with the bank manager, talking about what you want to do and being a reliable member of
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