Commercial Finance
19 July 2016
Most people will switch their residential mortgage as soon as the renewal is due or the initial term has expired. Switching to the best possible deal, this is made far easier as it is very much an off the shelf, one size fits all product.
Commercial mortgages are not a stan...
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Commercial Finance
28 June 2016
I think when you come to the point of sitting down and writing a business plan, regardless of the need that put you there, it would be reasonable to assume you want it to fall within the majority, if not all, of the above definitions. Certainly, when writing a business plan wi...
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Retail Mortgages
15 June 2016
As the ACS has recently disclosed, banks fund just 7% of retailer investments. Interestingly 68% of retailer investments are funded by private reserves. If these operators who are funding acquisitions and expansion through their own private reserves had funding support from a...
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Childcare Mortgages
25 May 2016
So with all this positivity - banks must be stumbling over each other to lend to this sector?
In fact the comparisons between a bank and a 5 year old can be quite striking, as both can change their appetite over night. One minute they like lending in the childcare sector th...
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Commercial Finance
30 March 2016
Setting up or taking on a new business involves more planning than a road trip, but the principle is essentially the same. You need an idea of where you want the business to be and a plan of how you’re going to get there. You need to plan your budget and it would be sensible ...
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Medical Mortgages
23 March 2016
Our prediction last year that the private dentistry market would see more activity this year has materialised, with many would be buyers turning to supposedly higher risk, but better return (on investment), opportunities in the private dental sector.
The proposed NHS reform...
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Pub Mortgages
04 February 2016
Lindsay and Stuart are both experienced pub operators who saw the potential that the business had, having run it for two years under a lease agreement from Marston’s. That was until the brewer decided to dispose of the property and withdraw investment. This adversely affected ...
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Commercial Finance
16 November 2015
Securing finance in the Child Centric Sectors was perceived as challenging over the past few years, but we have certainly seen that situation change over the course of 2015 with all leading lenders much more willing to consider supporting good existing operators as well as new...
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Commercial Finance
03 August 2015
Following recent figures from the Bank of England showing a sharp drop in lending of £5.5 billion to non-financial businesses, John Mitchell, Director at Christie Finance comments:
Whilst the BoE figures clearly show a dramatic fall in lending, the biggest decline since rec...
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Commercial Finance
26 March 2015
The general election campaign starts officially on 30th March but the early hustings, particularly around the much maligned TV debates, are likely to make some feel that we are already deep into the battle. Despite incessant media coverage and high levels of interest in new an...
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