Lending Criteria Changes For BTL Landlords

The PRA (Prudential Regulation Authority) has introduced changes for lenders, lending for portfolio landlords with four or more BTL properties, which will add to ‘stress testing’. In situ from 1st October 2017, one of the the main considerations to be assessed is the ability to service future interest rate rises. Generally, products could remain accessible [...]

Bank Of England Inflation Report Summary

Similar to central Bank’s quarterly forecasts, BoE's latest Agent Report shows consumer spending power had been hit by higher prices, and manufacturing export growth had risen which ‘mostly reflected the effects of the earlier decline in sterling’, also reflected in consumer goods price inflation markedly picking up through supply chains and into retail prices. Credit [...]

Sharpening Independent Business

The way we view the world is from experience; such are the shape-shifting times of a digital age. It takes time to establish a business - Running one is complicated and when a challenge has been overcome and everything is working smoothly, there is a reluctance to change a process because its deemed unnecessary, even [...]
How It Works – Getting Ready For Commercial Property Purchase

How It Works – Getting Ready For Commercial Property Purchase

Investment Property transactions can differ widely. When approaching the undertaking of such asset there are core areas which, given attention before involving professional experienced support, are mutual. It may assist in some small way, or to material effect, to consider these areas; whether using borrowings or not. Ready a Business Plan that includes: 1) Personal [...]
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