Care Mortgages
07 November 2016
There have been a number of highly publicised failings by some operators and the recent changes to the CQC inspection regime, have caused a raft of criticisms for all types of operators. The ongoing concerns surrounding the impact of the National Living Wage and the shortage o...
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Childcare Mortgages
27 October 2016
Taking a step back, we understand that for many day nursery operators, the fantastic businesses they are running have been a labour of love borne of a passion to provide top-quality childcare and the ‘business’ part has been somewhat incidental thanks to the quality of the se...
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Pub Mortgages
20 October 2016
In truth, the operators that have weathered the storm of the financial crash and adapted to the changing needs of their customers aren’t just trading, they are trading very well.
The diversity seen across the sector speaks volumes about how quality operators have evolved wi...
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Commercial Finance
22 September 2016
To promote the service we dedicate ourselves to delivering; we have put together a short video telling you a little bit about us, what we have achieved and, most importantly, what our clients think about us.
So we hope you enjoy the video and why not give one of our special...
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Commercial Finance
31 August 2016
This can be a minefield in itself, with a vast number of lenders to work through, often with specialist departments and individuals to identify. Just when you think you are winning, you find your contact speaks in technical terms completely alien to you, or doesn’t have the ca...
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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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