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Blogs

Key insight on the commercial mortgage market.

Commercial Finance 29 September 2020

An overview of the UK Funding Market - September 2020

At the time of writing, the UK Government spending as a percentage of GDP is 55% - the highest since 1946, with the UK Debt to GDP ratio over 100% - a first to be seen in peacetime. National output shrank by 20% in the second quarter of the year and the Bank of England pred...

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By:
Matthew Gudgeon
Finance Consultant
Pub Mortgages 05 March 2020

Pubs once again benefiting from a fair wind

In recent years a significant proportion of the sector has diversified away from a ‘wet-led’ business model. As a result of this shift, many sites we see today benefit from multiple profit lines, including a strong food offering and unused space converted into profitable letti...

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Care Mortgages 30 January 2020

Could development finance be the solution?

A by-product of these changes appears to be an increasing number of closed sites being marketed as re-development opportunities. Some of these sites are being upgraded to meet modern tastes and requirements, with facilites such as en-suites, shaft lifts, additional rooms and i...

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By:
Ed Brown
Finance Consultant
Care Mortgages 30 October 2019

Care Show 2019 panel provides open and honest insight into the funding market

Lawrence Roberts , Finance Consultant at Christie Finance attended ‘The Provider Information Return (PIR) – Making it work for you’ seminar by Ed Watkinson, QCS. This session highlighted the importance of the procedural changes that came into force in August 2019 but will o...

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By:
Ed Brown
Finance Consultant
Hotel Mortgages 15 October 2019

Hotel sector remains buoyant as a result of overseas demand

The combination of weak sterling and cheap debt means businesses with significant underlying bricks and mortar assets are becoming increasingly appealing to overseas investors.   At a local level we’re already seeing the impact of these factors at work. We’ve e...

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Commercial Finance 26 September 2019

Can refinancing benefit you and your business?

Expansion/Purchase of new business Many people look to realise equity from within a freehold business in order to create a “deposit” towards an acquisition or development project. A typical example is the seasoned operator who has owned a business or property for severa...

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By:
Chris Field
Director - Corporate
Childcare Mortgages 21 August 2019

Changes to children’s day nursery sector affecting bank funding

A wave of private equity funding for larger sites and the rise of group operators in recent years has resulted in an increase in business valuations, and arguably an improvement in standards. Jassi Sunner, Senior Business Agent at Christie & Co provides an overview of wher...

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Care Mortgages 09 July 2019

Challenges faced by first time buyers in the care sector

Therefore, on face value, the care sector provides investors with an ideal way to generate consistent long-term returns, as well as the reward of making a positive impact within a local community. There are, however, several challenges facing potential investors and with f...

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Restaurant Mortgages 29 May 2019

Are banks still lending following the recent casual dining casualties?

The recent string of high-profile casualties in the casual dining sector has been well publicised, the most recent example being the Jamie Oliver Restaurant Group. Comprising of 20 Jamie’s Italian sites and London based restaurants Barbecoa and Fifteen, the sale of this group ...

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Pub Mortgages 01 January 2019

What will 2019 deliver for pubs and bars operating in the UK?

England’s unexpected run in the World Cup also contributed to a rise in the number of consumers spending time in beer gardens across the UK. The sector witnessed a shift in the performance of wet-led pubs, with many of these businesses outperforming restaurants by introduci...

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