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April 2015
An exit strategy – a method of ensuring a loan can be repaid – is often cited as an essential aspect of the bridging loan process, but whatbs your exit route? If you have arranged a closed bridging loan where the completion date for the sale of the property has already been determined, your exit […]
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As buy-to-let mortgage rates are decreasing, more and more landlords are rapidly expanding their portfolios and are venturing into the HMO, or bhouse in multiple occupationb market. Recent reports suggest that gross yields for HMO properties have, for the first time, exceeded the 10 percent mark, and HMOs are now becoming a hot topic. However, […]
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Recent studies suggest that many small businesses operating in the UK do not have adequate commercial insurance in place, putting them, their business, and their property at risk. 72 percent of freelancers who operate as a business, for example, do not have insurance – including key-man cover – despite most understanding why this type of […]
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Giving Borrowers More Breathing Space The effect is most notably seen within the bridging loan industry. Traditionally, bridging loans have been viewed as very short term arrangements, simply bbridging the gapb between house purchase and house sale, but recent statistics are suggesting that bridging loans have evolved and are now no longer the short term […]
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Quasi-Banking Of course, the concept of P2P lending has been around since the beginning of time. Perhaps the earliest example of record comes from ancient Mesopotamia were bquasi-bankingb was a common activity. While quasi-banking has come to have many different meanings, in this sense it was used to refer to the act of banking without […]
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Smaller, short term loans – typically amounts of less than B#5,000 and borrowed for a period of up to 3 months – are traditionally thought of as being quite illogical from the borrowerbs perspective. These smaller loans often comes with much higher interest rates than their larger counterparts, with some high street banks charging up […]
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