Freehold or leasehold? It’s the ultimate question when it comes down to property purchases. Do you want to pay substantially less for your property but have limited ownership, or do you want to fork out for the full ownership at a much greater cost? The right answer will depend on what you need, but the...
Read moreIt wouldn’t be overly unfair to call business finance a “numbers game”. Whilst the most important thing in the business is undoubtedly personality, at the end of the day the fine details are often about the numbers. Exit fees, interest rates, monthly repayments and more all add up (no pun intended) to a full package...
Read moreHow many of you reading this own more than one property? If we’d asked that question 10 years ago, we highly doubt that many would have responded “yes”. Today, though, we imagine the answer spread would be very different. Whilst the BTL market has certainly cooled since the 3% Stamp Duty increase implemented in 2016,...
Read moreWhen people think finance, they tend to default to a small, set series of options. Ask your average business owner what they think of as “finance”, and you’ll get one of two answers most of the time – a secured business loan, or a mortgage. It’s easy to see why – they’re the “standard” options...
Read moreBusinesses are, by their nature, volatile creatures. Location, the economy and even the time of the year can serious affect a businesses’ fortunes, and nowhere is this truer than in the SME world. A small business doesn’t have the safety nets that major corporations do, and a turn in the financial winds can easily spell...
Read moreThe biggest tragedy that any business faces is having to turn down opportunities. Having the chance to grow your business, but not being able to take it, is disheartening for any business owner. Unfortunately, it’s a situation that’s been on the rise in recent years – according to some recently released research, 55% of small...
Read moreLike any sector, the finance world has lenders of all shapes and sizes. From massive multinational banks to smaller, more local lenders, there are over 300 different funding sources available for a business looking for finance in the UK. But not all lenders are created equal – depending on where you are, and what exactly...
Read moreA “loan” is a simple word, but it encompasses a multitude of financial options so wide that an inexperienced viewer can easily get lost. Trying to find the right loan can be confusing, and we’d never recommend looking without a specialist who can sort the bewildering array of options into something more palatable. With so...
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“How do you choose between lenders?” is a question we get asked often. It can be a tricky question to answer – no two brokers will have the same method, for one. But it involves broker and client looking at an offer and seeing if it really fits a business. However, there’s been a development...
Read moreDo you know who your landlord is? For some, that’s an easy question – they rent from a private landlord who they can contact if needed. For others, it’s less so – many people in the UK rent either from or through estate agents and property management services, with no definite “landlord” to contact. This...
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