Is There A Benefit In A Lower Loan To Valuation (LTV)?

If your business is seeking finance over the medium to long term perhaps to purchase new premises then is their any advantage in contributing more of the business’s funds to the purchase resulting in a lower level of borrowing being requested? In short, the answer may be ‘yes”. When you approach your bank or other […]

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March Sees Rise In Gross Mortgage Lending

There has been an increase in gross residential mortgage lending in March 2017 to an estimated figure of £21.4 billion according to the Council of Mortgage Lenders (CML) when compared to the previous month when such lending reached £17.9 billion. This equates to a rise of 19% although in March 2016 the figure was much […]

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Online Business Loans

Over the years, the Internet has grown in popularity with people. It can be used for a variety of purposes such as research, buying goods from a website or applying for a business loan. With regard to the latter, there are now several lenders that allow you to apply for a business loan online. So, […]

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When May An Overdraft Facility Benefit A Business?

There are many commercial lending schemes available to businesses from the likes of banks, building societies and other specialist lenders. However, we felt our readers may find it useful to know when an overdraft facility may be the most suitable form of lending. An overdraft facility can be used for many purposes and tends to […]

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Drop In Gross Bridging Advances In Q1 Of 2017

The Bridging Trends infographic covering the first quarter of 2017 has recently been published and it makes for interesting reading. The lenders providing the data for the infographic are MTF, Brightstar, Enness Private Clients, Positive Lending and SPF Short Term Finance. The total amount of gross bridging lending in Q1 of 2017 by the above […]

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Large Percentage Of Residential Mortgages On Standard Variable Rate

Research has been carried out that reveals a high percentage of borrowers are on the standard variable rate with their residential mortgage. Whilst there are no doubt some borrowers who are on such a rate for a very good reason, it may be that some are paying more than they need to for their borrowing. […]

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Business Lending Rises In Q1 2017

The Bank of England Credit Conditions Review 2017 Q1 uses data from various sources to cover a number of things such as what is happening in bank funding and conditions within corporate credit. The report can be viewed in full on the Bank of England’s website. In the report it mentions that business lending has […]

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A Bank and Loan Company Merge To Benefit Microbusinesses

It has recently been announced that the Start Up Loans Company and the British Business Bank merged on the 3rd April 2017. It is hoped that this merger will further benefit microbusinesses that are seeking finance. In a manifesto by the, it said that by 2020 it wanted to make available 75,000 start up loans […]

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Survey Of Brokers Predicts Rise In SME Requests For Asset Finance

A survey carried out by United Trust Bank a few weeks ago has revealed a positive outlook amongst many finance brokers this year for requests from SMEs for finance to purchase assets. Increased demand is no doubt a good thing for the commercial lending industry as well as the consumer as such demand may encourage […]

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Commercial Finance For Debt Consolidation

A commercial mortgage can be taken out for a variety of purposes such as to purchase and/or renovate business premises or perhaps to buy an established business. Another purpose that some lenders may consider lending on a commercial mortgage for is to consolidate one or more existing debts. So, when and why would a business […]

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