by admin | Nov 22, 2019 | Blog, Business, Economy, Finance, In Business, Small Business Blog
None of us get to see all the pieces of our data scattered around. I was (after questioning someone’s CCJ and default assertions) informed ‘but a new loan means I won’t have bad credit’ and in the same week, given, I kid you not, ‘the computer says No…’ from a High Street lender whose [...]
by admin | Oct 18, 2019 | Blog, Business, Economy, Finance, In Business, Small Business Blog, Uncategorized
My Autumn has blown in with sound Postcards from the past. ‘Hanging on in quiet desperation is the English way’ being sung with as much relevance as it had when Pink Floyd released it as part of their seminal album Dark Side of the Moon (Time). As too is Nitin Sawney’s seminal contribution, Beyond Skin, [...]
by admin | Sep 12, 2019 | Blog, Business, Economy, Finance, In Business, Small Business Blog
In the middle of what was a routine week I explained to someone why, no matter how much I empathize with their being very busy - ‘too busy to keep up with paperwork’ - the underwriter will not be as empathetic and the thirty-two pages of contract they’d signed with a dubious lender (found through [...]
by admin | Aug 2, 2019 | Blog, Business, Economy, Finance, In Business, Small Business Blog
Ideas of Yield sought after in property investment continue to be the one area where folks have a pretty fair idea of what they’re looking to. I’ve mentioned this before and, for key calculations, it's worth mentioning again. 1. Net Yield is taken from the costs to a property and is a ‘fairer’ calculation [...]
by admin | Jul 12, 2019 | Blog, Business, Economy, Finance, Small Business Blog
There’s been a lot of noise in the business entity and BTL marketplace over the last 10-12 months. Lending downturns have been shutting out investors and homebuyers have been having problems getting the mortgages they want. Limiting factors for purchase, BTL’s with bad returns and some first-time buyers precluded from going back into the tenant [...]
by admin | Jun 14, 2019 | Blog, Business, Economy, Finance, Small Business Blog
A few days ago, I spoke with a previous client of mine, who is a small business owner and Landlord. As we got to talking, I could see that he was leasehold/freehold lender sceptic — he’d been reading too many news articles and didn’t believe in the power of a lender meeting his part-owning a [...]
