Needless Debt

Without needing all the usual British Summer paraphernalia of coats and umbrellas, the warm evenings brought about by a quintessential summer has stretched my thinking time. Amongst my meanderings, I realized that I haven’t met a successful small business owner who hasn’t experienced a failure or had a needless debt. After investing endless hours and [...]

Bloodthirsty Interest Rates

By chance, I witnessed a Stoat chasing a Moorhen at a sun-dried pond. The remarkably skillful hunter with staying-power and the courageous and resilient hunted was edge-of-the-seat viewing. I’ve previously seen this hunter doing the same with a Rabbit - which looked bizarre when the much larger prey fell to its hunter. The endless energy [...]

Buying Time

Today I’m a day older than I was yesterday and this month marks the bridge between two significant anniversaries for me this year: twenty-five years of self-employment and fifteen years since developing into Step-Up Finance. But there’s a problem with marking birth days – at a certain point in life, they become striking reminders of [...]

Waiting For The Right Time

Reports are suggesting that some mortgage market lenders are starting to increase their pricing rates to products which, based on the price of mortgage-backed securities (traded like Stocks) are already prone to change daily. It seems that finding a property, a lender with the right terms, and a mortgage rate to all come together is [...]