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Can I Remortgage to Buy a Second House?
Yes, it is possible to remortgage to buy another property. In fact, remortgaging your current home is a common method of raising funds to purchase another property. If you’ve been repaying your mortgage for many years, you’ll have built up a chunk of equity in your home that you can&rsq...
Living In Dubai? 4 Ways to get a UK Expat Mortgage
If you're a British national looking to get a UK expat mortgage from Dubai, you may be wondering what's available for you. There are a variety of reasons you may want to purchase a property back home. It might be an investment, or you may be planning on returning to the UK. But you've probably...
How To Get A Professional Mortgage
As a professional with hard-won qualifications and a structured career path, you could be eligible for a professional mortgage to match. There are 8 ways you could be entitled to a better mortgage as a professional within an established industry. Some UK mortgage lenders offer prof...
NEWS: Will House Prices Drop in the UK in 2025? [February 2025]
Will house prices go down in the UK? Interest rates have dropped, but worries of rising inflation might be suppressing the market. Written by: Sam Hodgson House prices have risen by 2.9% since September 2023, and the Bank of England base rate has dropped twice. However, following the Autumn B...
NEWS: Are Mortgage Rates Going Down? [February 2025]
The Bank of England base rate has been held at 4.75%. What's next for our mortgages? Written by: Sam Hodgson The Bank of England voted to keep the base rate at 4.75% in an effort to control inflation, which has risen to 2.6%. It’s clear that inflation remains a central concern for the ...
How Does Property Development Finance Work?
Property development can be a lucrative venture, but it often requires substantial financial backing. Property development finance plays a crucial role in supporting developers looking to embark on construction or heavy refurbishment projects. It’s a sobering truth that the success of a build...
Should You Get a Tracker or Fixed Rate Mortgage in 2025?
Further interest rate drops could be on the horizon. We're taking a snapshot of the best rates available on the market today for fixed and tracker mortgage products to see how they compare. Written by: Sam Hodgson Inflation has dropped, and it's likely we will see mortgage rates reduced furth...
Everything You Need to Know About Business Car Finance
Getting a car for your business is not quite the same as obtaining personal car finance. With tax and accounting benefits, as well as slightly different structures that help with managing a fleet of vehicles, business car finance has its own nuances that are important to understand if you’re g...
How to Spot Equity Release Companies to Avoid
Approached sensibly, equity release is a powerful and potentially life-changing financial product. It provides retired homeowners with a way to release the money locked up in their property for use on other things - from helping struggling family members to having the holiday of a lifetime. The m...
Can I Remortgage Early On A Fixed Rate?
You're locked into a fixed-rate, and you've found a better deal. You'll be pleased to know that it's possible to remortgage early, but there are some hoops you'll need to jump through. You're considering switching your mortgage deal but are not yet at the end of your fixed-rate term. It's def...
5 Ways To Get Into UK Property Development For The First Time
When you apply for development finance, lenders will typically put a lot of weight on the success of your past projects, making it notoriously tricky to get into UK property development for the first time. You’re ready to join the 2.5 million property investors in the UK and start building yo...
The 8 Best Ways to Finance Home Improvements
Did you know that there's a range of different solutions designed to help you finance home improvements? We explain how each loan works and what circumstances they could be suitable for. You might be giving your property a total makeover or making changes to a rental property. Refurbishm...
How to Find and Download Tax Documents for a UK Mortgage
If you're self-employed and applying for a UK mortgage, you'll need to find and download the right tax documents for your application. Unlike with a 9-5, you won't have a payslip to use as proof of income when applying for a self-employed mortgage. Instead, lenders analyse your tax documents ...
A Guide to Bank Statements When Applying for a Mortgage
Whether you’re applying for a first time buyer mortgage, a buy to let mortgage, a development loan or any other type of property finance, you’ll need to provide your recent bank statements to your mortgage lender. In this guide, we look at why mortgage lenders ask for your bank sta...
Commercial Real Estate Finance
The world of commercial real estate has finance at its very core. It is through mutually advantageous funding products that businesses can grow through property development opportunities, leveraging existing equity to grow a strong portfolio that provides important investment as well as an ongoing r...
How To Get A UK Expat Buy To Let Mortgage
Getting an expat buy to let mortgage can be trickier than if you live in the UK - but it can be done. If you're a UK national living in another country, you may be trying to figure out how to finance a property back home. Perhaps you're looking to keep a house y...
How to Finance an Acquisition | Acquisition Finance
Acquisition finance refers to the funding solutions businesses use to purchase other companies, ranging from small-scale sole traders to large-scale corporate acquisitions. What are the various levels of acquisition finance and how are they obtained? At Clifton Private Finance, we have the answers....
Getting An Airbnb Mortgage: Everything You Need to Know
Since Airbnb first gained traction in the UK in 2015, it has become an increasingly lucrative way to rent property. But while the returns for this type of rental are high, securing an Airbnb mortgage isn't as straightforward as you might think. The Airbnb market is continuing to grow througho...
How To Get A UK Mortgage When Living And Working Abroad
It's certainly possible to get a UK mortgage while living abroad, but applying for a UK mortgage as an expat can have its challenges. Being based overseas makes it that bit harder for lenders to establish your earnings and check your credit history. theme-element?4201 You may find that you ne...
How to Get a Skilled Worker Mortgage
You may be wondering if you can buy a house in the UK on a skilled worker visa - and the answer is a resounding yes! There are some additional challenges, but it is very much possible with the right lender. A Skilled Worker Visa (also known as the Tier 2 visa before Decembe...
Structured Finance | How it Works
At Clifton Private Finance we work with companies at all stages of development, from startups through to multinational corporations. At the top end of the funding scale lies structured finance. But what is structured finance, and can it help your company leverage assets to generate substantial and...
My House Has Gone Up In Value: Can I Remortgage?
One of the most common reasons homeowners choose to remortgage is because the value of their house has increased. How does this process work? If you have more equity in your home than when you first took out your mortgage, you can remortgage to get a better deal with lower rates...
Can I Get A Mortgage For 5 Or 6 Times My Salary?
Is it possible to borrow more than 5 times your salary? Amidst high interest rates, mortgage affordability is on the mind more than ever. It’s not just hard-pressed first-time buyers who need to maximise their salaries' borrowing potential to get a toe-hold on the property ladder. Even...
Can I Borrow Against a Property With No Mortgage?
If you own your property outright, you might wonder if it's possible to secure a loan against a property with no mortgage. You'll be pleased to know that it is possible and a few options exist. So what are they? Many homeowners look to access cash to help get through extraordinary circumstances. Fr...
Applying for Retrospective Planning Permission: Is it Worth the Risk?
Retrospective planning permission is a common occurrence in the property development world. You may have made an honest mistake during building works and only realised afterwards you need permission. Or you may have discovered you can’t sell your house unless it matches the land registry recor...
NEWS: The London Boroughs Climbing in Value Despite Property Slump
London’s property market shows a tale of two cities in 2025, with some areas witnessing unprecedented growth while others reveal steep declines. Against a backdrop of economic uncertainty, the market is offering unique opportunities for buyers, driven by notable price adjustments, increased s...
Cash Flow Finance | 8 Options Compared
At Clifton Private Finance, we’ve supported a wide range of businesses through financial difficulties, help keeping them on top of day-to-day expenses to make sure everything runs as smoothly as possible. One of the main tools for doing so is cash flow finance, a range of funding products tha...
Equity Release to Reduce Inheritance Tax | Example
Inheritance tax has long been a burden on families looking to pass the fruits of their life’s work to their heirs - once the tax-free threshold has been passed, a full 40% of the remaining estate goes to HMRC. With property values rising and recent government policy changes squeezing tax reli...
How Much Does a Bridging Loan Cost?
Bridging loans typically cost 1-2% of your loan size, charged as an arrangement fee by your lender. Written by: Sam Hodgson You also usually pay: A monthly interest rate Valuation or survey fees Legal fees Broker fees Other admin fees, such as drawdown and redemption fe...
How to Secure a Land Mortgage in 2025
Ever thought about building your own home? We explain everything you need to get a land mortgage in 2025 and how to make the process as efficient and affordable as possible. What is a Land Mortgage? Land mortgages are specialised loans designed for purchasing land. They differ from standard ...
How to Find the Best Bridging Loans
You've probably noticed that there aren't many 'comparison sites' for bridging loans - the ones that put multiple products into a table, allowing you to easily weigh the pros and cons. Written by: Sam Hodgson Unfortunately, bridging loans are somewhat too bespoke for that kind of side-by-side...
Business Tax Arrears | Explanation & Solutions
Business tax arrears can present a considerable threat to the financial health and future of your company. When you fall behind on VAT or corporation tax payments, the pressure from HMRC can be debilitating. Financial penalties and unwanted interest on the outstanding balance is one problem, but th...
Reverse Factoring | Complete Guide & Alternatives
Cash flow is one of the most important considerations for links in a supply chain. With payment terms potentially causing difficulties for businesses looking to run smoothly, solutions that can speed up payments for suppliers without impacting buyer cash flow are essential. Reverse factoring is o...
The Co-Living Trend – Are Adult Dorms Worth Investing in?
Over the past few years, the co-living market has emerged as a focus area for developers, with over £902m funneled into the sector since 2020. Written by Luka Ball Adult dorms have exploded in popularity in the past five years, but who are they really designed for, and what role will th...
6 Ways to Sell Your House Quickly After a Bridging Loan
Selling a house can be a stressful process, especially if you’re on a tight timeline. Whether you’re relocating for a job, managing financial changes, or simply eager to move, getting your home sold quickly is often a top priority. Here are three proven strategies to help you sell your ...
NEWS: Half of UK Mortgage Holders Face Payment Hikes by 2027
The Bank of England (BoE) has revealed that nearly half of UK mortgage holders are set to face higher monthly payments over the next three years. According to the Bank of England's Financial Stability Report, around 4.4 million households will experience increased mortgage costs by 2027, with appro...
Can I Refinance an Existing Bridging Loan?
In short, yes, it is often possible to refinance an existing bridging loan with a new one. Written by: Sam Hodgson In the past, lenders tended to be unwilling to offer bridging loans to refinance a previous bridging loan. However, many lenders are now willing to consider this approach, ...
BoE Keeping Base Rate at 4.75% | What it Means for Your Mortgage
On 19th December, the Bank of England voted to keep the base rate at 4.75% to keep inflation under control. This means that the Bank of England dropped the base rate by a total of half a percentage point in 2024, but 4.75% is still the lowest bank rate we have had since June 2023. For the past two...
Yes - You Can Get A Bridging Loan With Bad Credit
Can bad credit affect your ability to get a bridging loan? Find out why it's still possible to get short term bridge finance, how it could even help improve your credit rating in the future, and our quick guide to securing the funds you need. Written by: Sam Hodgson Many people beli...
Dynamic Discounting | What You Need To Know
Cash flow is a major concern for businesses, no matter their size. Getting invoices paid early can be a huge help, especially in more complex supply chains where a delay in the middle has a knock-on effect throughout. Invoicing financing, purchase order financing, and other forms of trade finance c...
How to Finance a Car | Affordability vs Ownership
At Clifton PF, we help clients arrange car finance independently every single day - we've seen it all. So join us as we dig deep, crunch some numbers, and compare the options to look at the best way to finance a car. First, here's an initial overview: Choosing the right car finance is best done by...
A Guide To Offset Mortgages: Are They Still A Good Idea?
With mortgage rate hikes in the UK, many homeowners are faced with huge hikes in their monthly repayments. If you are thinking of remortgaging and have savings in the bank, it may make sense to consider an offset mortgage - a lesser-known product that could help you save money on your repayment...
Bridging Loans: How Much Can I Borrow?
How much can you borrow with a bridging loan? Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Written by: Sam Hodgson Short-term finance such as bridging loans can be a very helpful form of finance for the right b...
How to Get a Car Loan in 5 Steps
So you want to buy a new car? Excellent - we can help! At Clifton Private Finance we have the knowledge and the connections needed to get you on the road in your dream vehicle. Here's a broad outline of how to get a car loan: Stage 1: Before Choosing a Car Check Your Credit Score: Review and i...
How to Get Development Exit Finance as Your Building Project Nears Completion
When a property development project is coming towards the end of its agreed term of finance, unexpected delays in finishing the build or finalising sales can have a major impact on the cost of your finances and the profitability of your development. Written by: Sam Hodgson Development exit fi...
Hire Purchase | 13 Advantages and Disadvantages
Understanding the different forms of car finance can be tricky. Here at Clifton Private Finance, our experts have delved deep to find all the pros and cons of hire purchase (HP) so that it’s easy for you to weigh it up when choosing how to pay for your car. In a nutshell, here are the advanta...
NEWS: First Time Buyers Dominating London Market
London is seeing an increase in purchasing activity from first-time buyers despite high cost-of-living and homebuying costs. Here's how you can navigate the evolving London market. Written by Luka Ball According to new data, in 2023, London saw 181,000 first-time buyers purchase homes. This m...
NEWS: Top 10 Regions With The Best Rental Yields in the UK
Where are the best places in the UK to invest in property? We explore the best rental yields in the UK for landlords, touching on the current rental landscape in Britain and what makes these areas, in particular, so great to invest in. Written by: Sam Hodgson Despite occasional fluctuations, ...
Russia Ukraine Conflict: The Effects On The Mortgage Market
Russia’s war on Ukraine has already caused economic ripples across the globe, with stock markets experiencing volatility and the price of crude oil surging to over $100 a barrel. Written by: Sam Hodgson While it’s very difficult to predict the twists and turns down the road a...
Labour’s Housebuilding Boom – Fact or Fantasy?
Labour has lofty ambitions for the housebuilding sector over the next four years, but is their plan enough to tackle the housing crisis? This year, the Labour government unveiled a sweeping plan to tackle the UK’s housing crisis. It promises to build 1.5 million homes over five years, reintro...
2024 Property Market Review: What Happened & What’s Next?
As the year comes to a close, we reflect on the numerous factors that have shaped the market this year and what we can expect in 2025. The General Election and subsequent new government resulted in a controversial Autumn Budget, announcing the first of many budgetary U-turns. As well as the much-an...
How To Get A Multi Million Pound Mortgage
When you think of a multi million pound mortgage, you may think of London, but there's an increased demand for high value properties across the UK as a whole. Whether you're a first time homebuyer or an experienced property investor, getting a mortgage for such a large sum of money can be a dauntin...
How to Get a Limited Company Buy to Let Mortgage
The unique advantages and considerations of a limited company buy to let mortgage - here's what you might not know Written by: Sam Hodgson Whether you're buying your first investment property, or are an established private landlord, the tax benefits of mortgaging your property ...
HMO Mortgages – How To Finance An HMO Property
HMOs are still proving to be a lucrative investment today, but if you're looking to secure finance, expect different lending options for an HMO mortgage. The ROI returns can be impressive, but only a few specialised intermediary-only lenders will fund a foray into the multi-let market. If you've p...
How To Remortgage A Buy To Let Property
You may be considering if the time is right to remortgage your buy to let property. You could find a better deal or release some equity for further property investment. Here we explore why you might want to remortgage a buy-to-let property (BTL), what considerations you need to make,...
NEWS: Is Investing in a Buy to Let Still Worth it in 2025?
Investing in a buy to let has the potential to generate high ROI through both rental income and building equity, but amid the current costs of owning a property, many are asking if being a landlord is still worth it. A number of landlords are expressing dissatisfaction with slim profits and rising ...
NEWS: Why are House Prices Falling in Investment Hotspots?
House prices are beginning to fall and investment hotspots that were seeing the biggest growth before 2022 are now on a decline - we explain why. In the past year, house prices in the UK have fallen -0.2%, bringing the average house price to £263,800.That's £410 lower than a year ago. W...
What Is A Buy To Let Mortgage Stress Test And Will I Pass It?
A buy to let stress test is a process that most landlords go through when purchasing a property to rent. But how is it used, and how does it affect your mortgage eligibility? The stress income cover ratio (SICR) is the calculation lenders apply to determine your affordability of a buy to let (BTL) ...
How to Switch to a Buy to Let Mortgage
Switching to a buy to let from a residential mortgage can be daunting, especially if you’re unsure if you’ll pay any early repayment charges or mortgage set-up fees. But if it can unlock the rental potential of your current residential property and help fund your ambitions to move or go...
NEWS: How Will a Labour Government Affect the UK Property Market?
With Labour in government for the first time in nearly 15 years, many Britons are wondering how this will affect the property market. Written by Luka Ball Historically, general elections have not had extreme impacts on the housing market, but a clear electoral mandate can boost buying confide...
The 9 Best Places to Live in the UK | 2025
Moving to the UK? We've put together a list of the best places to live in the UK if you're an expat or foreign national, rated for affordability, lifestyle, work opportunities and overall happiness. Moving to a new country is a monumental decision that opens the door to fresh experiences, dif...
Property Market Update: Major Lenders Pull Deals Amid Uncertainty
In our property market update, we explain how factors like the Autumn Budget and the US election have shaped consumer behaviour and what we can expect from the next 6 months. The UK housing market is facing uncertainty as mortgage rates rise despite recent cuts to the Bank of England’s ...
What's the Average APR for a Car Loan?
At the time of writing at the end of 2024, the average APR for a car loan is around 7% to 9%. However, working out the exact average APR for a car loan is impossible - there are just too many factors at play to make it meaningful. Even if we did pull an average out of the hat (which, to be fai...
NEWS: What Can Non-Doms Expect from the UK Property Market?
The future of the UK's non-domiciled (non-dom) tax status big changes as Labour plans to end the regime by April 2025. Written by: Luka Ball This proposed reform, part of the party’s approach to reshaping public spending and tax policy, could phase out a system that allows individuals w...
Inventory Finance | Everything You Need to Know
Running a business that depends on the buying and selling of items can make cashflow difficult. Problems such as the seasonal nature of the business, or the need to hold large amounts of slow-moving inventory to make sure you have the stock on hand when it’s needed, can put pressure on busine...
How Does PCP Actually Work?
Personal contract purchase (PCP) has become the country’s most beloved way to finance a new car, and there’s a good reason for that - it lets you get your hands on a shining new car for the lowest possible monthly repayment. How does it do that? At Clifton Private Finance, we have the a...
Receivables Finance | What You Need to Know
For businesses looking to smooth cash flow or expand, accounts receivable can present a problem: accounts receivable is the money that is owed to the company by its customers from sales or services already rendered, and delays in its being realised puts pressure on the day-to-day finances of a busin...
Hire Purchase vs PCP | A Complete Comparison
In a nutshell, HP is suitable for those focused on ownership and saving on long-term costs, while PCP is better for those valuing flexibility, lower upfront costs, or easier access to new cars. But, there's a little more to it than that... Let's start with a birds-eye view of the co...
How Does Finance on a Car Work? 12 Steps
When you’re looking to finance a car, there’s almost too much to learn - the difference between HP and PCP, the ins and outs of balloon payments, and what really happens if you miss a payment. Wouldn’t it be easier if someone just told you what to do and how to sort it all out? We...
Seafarer UK Mortgages: The Ultimate Guide
Many seafarers can qualify for standard UK mortgage rates if they claim the Seafarers Earnings Deduction (SED) and maintain ties to the UK. Written by: Sam Hodgson However, issues like fluctuating exchange rates, offshore banking, and proving your affordability can complicate the proces...
How to Calculate Business Profit | Essential Guide
How can you calculate business profit? Getting to grips with the data can help you understand what you're excelling at and what you could do to improve. Written by: Sam Hodgson Ever heard the term "you've got to spend money to make money"? You'll need to reinvest capital back into your ...
How Much Does it Actually Cost to Employ Someone?
The word “company” means a formed group, and comes from the latin “com”, meaning together and “panis”, which means bread. It is the idea of people coming together to share a meal and is where we also get words like “companionship”. theme-element?412...
RESEARCH: Gardens and Property Prices | What the Data Says
New research reveals surprising patterns in access to gardens across UK cities, with affordability linked to more green space. Research from Clifton Private Finance has analysed data from Rightmove to calculate the percentage of homes for sale with gardens in the UK's citie...
Credit for Businesses | The 13 Best Options Compared
Every business needs money to run, more money to stabilise, and even more money to expand and succeed. While a simplistic model of self-sustainability may work for micro businesses, for enterprises designed to thrive, it's necessary to look to support from the financial service industry. In short, ...
Conditional Sale (CS) Car Finance | Explained.
There is a wide range of finance available for car purchases, each tailored carefully to fit the different needs of potential buyers. While this degree of options is extremely beneficial, it can also be confusing - thankfully, we at Clifton Private Finance are experts! Read on to learn more about ...
Is PCP a Good Idea? An Honest Assessment
At Clifton Private Finance we deal with a wide range of funding options and, when it comes to car finance, PCP finance is one of the most common and - dare we say it? - beloved of all the choices. So, why is PCP so enjoyed in the car finance world? What does it offer, and ultimately, is PCP a good ...
What is a Bridging Mortgage?
A bridging mortgage, usually referred to as a bridging loan, can help you act like a cash buyer when purchasing property. Written by: Sam Hodgson Bridging mortgages, or bridging loans, are short-term property financing solutions designed to help borrowers quickly secure funds, often wit...
What is Cash Flow in Business? | The Full Guide
Simply put, cash flow is the movement of cash into and out of your business. Cash in represents payments from clients and customers, and cash out is the money you spend on running your business. Written by: Sam Hodgson Cash flow is the lifeblood of any business, determining its ability ...
Second Home Mortgages | Everything You Need to Know
What is a Second Home Mortgage? A second home mortgage is a specific type of mortgage used when you are looking for a second family home, perhaps a flat closer to the office, or a weekend home in the countryside. Second home mortgages are typically repayment mortgages, similar to yo...
7 Ways to Get a Business Loan in the UK
When looking at getting a UK business loan, there are many things to consider. With a wide range of products and an even wider range of lenders in the marketplace, it can be the work of ages just to sift through them. Written by: Sam Hodgson There are seven key forms of business f...
Business Vehicle Hire Purchase
When your business needs vehicles but buying them outright isn’t financially viable, business vehicle hire purchase (BHP) offers an established solution. This type of asset finance helps you spread the cost over time, which can ease cash flow and allow you to secure essential vehicles for your...
A Guide To Bridging Loan Interest Rates
Bridging loans interest rates - how do they work and what can you do to keep costs down when using bridging finance to fund a property purchase? Written by: Sam Hodgson Bridging loans can be an excellent way to finance property and are often best suited to circumstances that demand speed and ...
What Happens to My Deposit at the End of PCP?
What Happens to My Deposit at the End of PCP? In a nutshell, you do not get your deposit back at the end of your PCP arrangement - it simply acts as a payment towards the value of your car. Car finance can be filled with complications and confusions - and one of these problems is the use of ...
How To Get A Bridging Loan In Scotland
Acting quickly is essential to closing deals in Scotland's property market, and bridging finance can help - but is it easy to get a bridging loan in Scotland? Whether you're looking to buy Scottish property for commercial or residential purposes, having fast finance in place will save you from...
Can You Add Stamp Duty To Your Mortgage?
What is stamp duty, and is it possible to add it to your mortgage? This guide explains the ins and outs. Written by Sam Hodgson When buying a home, getting caught out by a higher stamp duty tax bill than you expect is the last thing you need. If you can’t afford it, it could mean redu...
Is Equity Release Tax Free?
Is Equity Release Tax-Free? The simple answer is yes, equity release is tax-free, as you don't need to pay income or capital gains tax when you receive equity release funds. But why is this the case, and what other tax benefits can be drawn through the use of equity release? At Clifton Private Fin...
How Long Does Equity Release Take?
How Long Does Equity Release Take? Equity release typically takes around four to six weeks. While in some cases, you may be able to get in faster than the four-week level, it’s uncommon and you should plan for that as a minimum. Here's an initial breakdown that we'll go through in more ...
NEWS: Autumn Budget 2024 - How it Affects the Property Market
In the 2024 Autumn Budget, the government announced several tax changes to fill a “£22 billion hole” in the UK’s public finances. Written by: Luka Ball Labour’s government, which came to power in July, has raised Employer National Insurance contributions, Capital...
Currency Exchange for Buying UK Property - The Ultimate Guide
When buying a property in the UK as an international buyer, currency exchange is a crucial factor that can significantly influence the total cost of your purchase. Whether you’re buying a home to live in or an investment property, fluctuating exchange rates and hidden fees can add thousands o...
How to Use a Bridging Loan to Buy a House in London
Getting on the property ladder in the capital can be challenging - but did you know you could use a bridging loan to buy a house in London? Written by: Sam Hodgson The London property market is notoriously competitive, so when you find the perfect home, you need to move fast. Bridging l...
A Guide to Tractor Finance
For most farms, tractors are an essential part of daily life. Tractor finance is borne from the need to use specialist agricultural machinery like this, even when access to capital is low. Getting quality agricultural machinery is important to keep your farm or agricultural business running. ...
How Much Does An Expat Mortgage Cost?
The main cost of an expat mortgage is the interest rate. Compared to standard mortgages, they're typically about 1% higher than you're standard UK resident mortgage - but this can vary based on your country of residence, income type and currency source, loan to value and more. Read our f...
What Makes it a Business Loan? The Business Loan Definition
What is the definition of a business loan? The definition of a business loan is money lent to a company which needs to be paid back, usually with interest, over a set period of time. And yet obtaining finance for your business can seem overwhelming - getting the right finance for your busines...
Drawdown Equity Release | What You Should Know
When looking at a lifetime mortgage for equity release on your home, one of the greatest concerns that people have is the interest that will be accrued during the life of the mortgage, and how that will affect the amount they leave for their descendants as part of their inheritance. One option is t...
How Long Does a Mortgage Application Take?
A mortgage application generally takes from two to six weeks in the majority of cases. However, that’s quite a wide window and doesn’t include the many other parts of the process. Here’s an outline of the broader property-buying process, from mortgage application to mov...
Mortgage Renewal vs. Remortgaging | Pros & Cons
Your mortgage may stretch for 25 years or even more before it’s repaid, but there will be several times throughout its lifespan when it needs to be revised and renewed. You have two main options when changing your mortgage: renewal and remortgaging. A mortgage renewal is a new mortgage ...
NEWS: 3 Ways The US Election Could Affect the UK Economy
The US presidential election could have a ripple effect on the UK economy, with very different outcomes depending on whether we see a Trump or Harris victory. Written by: Luka Ball Analysts are closely watching how the outcome of the US election could shape the relationship between the UK and...
11 Sources of Business Finance Compared
Sources of business finance can come in so many different forms that sometimes it’s overwhelming. From secured business loans, through invoice financing and specialist VAT loans, to the research-laden world of government loans and grants, the range of options available is truly staggering. T...
Bridging Loan To Buy A House - Example Of How It Works
Did you know a mortgage isn't the only way to fund a property purchase? You could use a bridging loan to buy a house. Time is of the essence when buying a home. In this guide, we look at the numerous ways bridging loans can be used to buy property. theme-element?4298 How Can You Use a B...
Factoring Companies | Comparing Invoice Factoring Options
Using a factoring company can help you solve one of the biggest problems for businesses in the UK: cash flow. Written by: Sam Hodgson Invoice factoring offers businesses a powerful solution to cash flow problems by providing immediate access to funds tied up in unpaid invoices. By partnering ...
