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Interest Rates

  • Business, Loans

    Lending market predictions for 2024

    As we start a new calendar year, we thought we’d share our expectations on what will happen in the UK lending market in 2024. Of course, we don’t have a crystal ball (sadly!), so these are our best-guess predictions based on the current market conditions and our industry experience. Tightened lending criteria During 2024, some...

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  • Banks, Business, Finance, Financial World, Loans, SME

    Does my personal credit score matter if I’m getting a business loan?

    When it comes to commercial mortgages, many business owners wonder whether their personal credit score plays a significant role in the loan approval process. While commercial mortgages differ from personal mortgages in several aspects, your credit score can matter when applying for a commercial mortgage, though it will depend on the type of finance you...

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  • Banks, Business, Finance, Financial World, Loans, Property, SME

    How can you get a business loan through Peer-2-peer funding?

    Peer-to-peer commercial funding, is a form of financing that connects businesses in need of funds with investors who are looking for attractive returns on their investments.  The process typically works as follows:  A business applies for a loan, either directly or through a broker such as ASC, through a peer-to-peer lending platform. The application includes...

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  • Banks, Business, Finance, Loans, Property, SME

    What is the difference between open and closed bridging?

    Bridging finance is a short-term loan used to bridge a financial gap between the purchase of a new property and the sale of an existing property. There are two main types of bridging finance; open and closed.  Open Bridging Finance has no set date for the loan to be repaid. This type of bridging finance is...

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  • Banks, Business, Finance, Loans, SME

    Are lenders putting clients under too much pressure to refinance? 

    A lot has changed in the commercial lending market over the last few months. We have seen record rises in interest rates – and lenders have had to quickly change and update their criteria to respond to the changing landscape. One knock-on effect of this has been an increase in the number of lenders who...

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  • Banks, Finance, Loans, SME

    What do the BoE interest rate increases mean for borrowers? 

    What do the BoE interest rate increases mean for borrowers? Over the last months, there have been numerous announcements by the Bank of England increasing the base interest rate, and more are likely to happen in the near future. But what do the BoE interest rate increases mean for you? Our view is that the...

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  • Business, Loans

    BoE base interest rate rise - Time for a residential property investment?

    The Bank of England had previously announced another rise to the interest rate, and plans for further rises in the coming months. This would mean mortgages will be more expensive to pay back, and it may delay property purchases for some. During high interest rate times, it may be more difficult to purchase a property...

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  • Banks, Government, Loans, SME

    The Bank of England has raised interest rates, again - What does it mean for me?

    In case you missed our first report from late December about the Bank of England raising the interest base rate and what to expect, we have a small update on it. And although the information itself has not changed much since December; it is still worth reminding you what it means for you today. So,...

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  • Banks, Finance, Investment, Loans

    Do you know the difference between serviced monthly, rolled up, and retained interest?

    Interest rates are the main cost of borrowing money. When you borrow money from a lender you are expected to pay back the amount that you borrowed, plus the interest on the amount borrowed. The number of different interest rates available when borrowing can be confusing, and varied. The types of interest rates on commercial...

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