Posts in Finance
Mortgage Update – Innovation and increasingly flexible criteria in times of Brexit

Over the last few years Brexit, stamp duty increases for investment properties and second homes, section 24 and the introduction of more stringent rental calculations for buy-to-let (BTL) by the Prudential Regulation Authority (PRA,) have all contributed towards stagnating house prices and a reduction in the volume of transactions in the housing market. Against these tougher market conditions and uncertainty, it is more important than ever for lenders to offer a unique proposition.

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Negative rates: why do they happen, what do they mean, and what can we do about it?

A core principle of financial theory is the time value of money - the idea that there is greater benefit to receiving money now than an identical sum in the future. So, what happens when rather than paying to borrow money today, borrowers can freely borrow and hand back less in the future?

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Four Common Funding Pitfalls for SME Residential Developers

For SME developers, securing funding has been needlessly frustrating, time-consuming and expensive for too long. I often speak to an exasperated developer who’s spent 6 months managing hundreds of emails, sitting through hours of meetings and has nothing to show for it. The funding process doesn’t need to be like this.

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What is the difference between a SIPP and a SSAS?

George Ttouli explains the differences between SIPP (self-invested personal pension) and SSAS (small self-administered scheme). Everyone seems to know this is something to do with using pension money but not everyone understands the intricate details. Click to find out.

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