Category: commercial finance

Flat market predicted for 2018. although Technology will play a big part. Have a great Christmas!

So, as I pen my last column of the year, I reflect on a year that has had many ups and also many downs.  We can’t ignore the current housing shortage or the severe lack of help to first time buyers, even allowing for the recent stamp duty changes.  On the upside, and despite the […]

Increasing number of people look at buying ‘projects’

We are seeing an increasing number of people look at buying ‘projects’.  Just because a property is run down or even classed as ‘uninhabitable’, does not mean you cannot get a mortgage on it. Nor if you are intending to purchase a property to let out, but it’s currently in an ‘un-lettable’ condition.  Lenders will cater […]

Competition in the market is fierce..

I’ve mentioned a number of new lenders launching in to the Residential and Buy to Let sectors recently, and a number of new lenders are lining up for launch over the coming months.  It is an exciting time, not just because rates are so low and activity is increasing, but because lenders are now looking […]

Commercial and Short term options

We are noticing much greater numbers of clients looking to raise funds in the commercial sector and this is a very positive sign that confidence is returning and not just in the residential purchase or re-mortgage arenas. Commercial lending was long the domain of high street banks and particularly so when all that was needed was […]

Help to Buy 2 launch bought forward!

The Prime Minister has bought forward the launch of the Help to Buy (mortgage guarantee) scheme to October, instead of January 2014.  But let’s review the small print before we all start celebrating the launch of the (some say) controversial scheme and how it may create a housing bubble. The Help to Buy MG scheme […]

The Mortgage event of the Year…

The great and the good of the industry descended upon London’s ExCel last week for the annual Mortgage Business Expo.   Around 70 exhibitors offered their wares to mortgage brokers, intermediaries, financial advisers, solicitors and others who attended the largest trade mortgage event in the calendar.  The two day extravaganza was well received in its new […]