Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • New website makes it easy to find properties sold at auction

    Many property investors use property auctions to find property at bargain prices, and it is estimated that over 35,000 properties are offered at auction each year. Now, a new website has been launched that is designed to simplify searching for residential, commercial and semi-commercial properties. Provided by the Essential Information Group (EIG), the website offers... The post New website makes ...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • How brokers can help you buy property at auctions

    Auctions are a popular way to purchase property, and brokers are being increasingly sought to help bidders purchase homes under the hammer. Many properties at auctions sell for less than market prices. Most property will be vacant and there will be no buying chain. Once the property has been purchased, the buyer can move in.... The post How brokers can help you buy property at auctions appeared fi...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • Prime West End rents at record highs

    According to estate agents Savills, in the first quarter of 2017, rents in London’s West End hit a record high of £122.30 per sq. ft. per annum. This represents an 11% rise on 2016 levels. Although rent levels are high, in order to attract businesses, many property owners are offering incentives such as rent-free periods... The post Prime West End rents at record highs appeared first on Ascot Mort...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • Bridging loans are not covered by tougher landlord affordability rules

    The Bank of England’s Prudential Regulation Authority (PRA) has introduced more stringent affordability lending rules for buy-to-let landlords, but these do not apply to bridging finance. Under the new rules, to obtain a commercial mortgage for buy-to-let property, landlords need to show that rental income will be at least 145% of the mortgage repayments at... The post Bridging loans are not cover...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • Is it worth buying single rooms?

    Landlords are facing increasing costs due to higher tax bills and stamp duty. In order to stay profitable, landlords are looking at ways to diversify their property portfolios. An May 2017 article by property expert Rob Bence in GQ Magazine looked at two new types of property investment that he advises against. Buying a large... The post Is it worth buying single rooms? appeared first on Ascot Mor...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • Increase in buy-to-let enquiries from ex-pats noted

    A number of commercial mortgage brokers have reported an increase in the number of ex-pats wanting to invest in the British buy-to-let market. The ‘Ask the Broker’ survey by lender Together, mentioned in a BridgingAndCommercial.co.uk article from May 2017, found that 68% of respondents reported an increases in British people living abroad enquiring about loans... The post Increase in buy-to-let en...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • The importance of ‘proptech’ in commercial property

    Proptech, a word that describes how technology is being used in the commercial property market, is something of a buzzword in the sector at the moment, but what does it mean and how should it be used? A recent meeting in Manchester, an April 2017 Manchester Evening News article mentions a discussion on how proptech... The post The importance of ‘proptech’ in commercial property appeared first on A...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • Businesses affected by speed of access to finances

    British businesses report that they have missed investment opportunities due to the length of time it takes to obtain business finance. Owen Gough, writing for SmallBusiness.co.uk in April 2017, looked at the reasons why the growth of the British economy has slowed to 0.3% in the first quarter of 2017. He reports that British businesses... The post Businesses affected by speed of access to finance...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • Buy-to-let landlords turn to commercial property

    Many buy-to-let landlords faced with mounting costs are looking at the commercial property market to diversify their investments. Commercial property includes offices, workshops and other business premises. Another option is semi-commercial property, such as shops and pubs that have a mixture of residential and business use. As stated in a May 2017 ThisIsMoney.co.uk article, the... The post Buy-to...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • Bridging finance competition brings changes

    There are many bridging finance providers available, and because of fierce competition, lenders are improving their services. In order to attract borrowers, it is not enough just to have the lowest interest rates. There are other aspects of the bridging loan process that are being improved to make bridging finance products better. Most bridging lenders... The post Bridging finance competition brin...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • Brexit has not affected lending for commercial property

    The De Montfort University Commercial Property Report found that the Brexit negotiations have so far not had an effect on the number of loans for commercial property. Published in April 2017, the report showed that although lending was down by 17% in 2016 compared to 2015, the vote to leave the European Union made little... The post Brexit has not affected lending for commercial property appeared ...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • Bridging loans can help Britain’s entrepreneurs

    With some entrepreneurs experiencing difficulty in obtaining a mortgage, it’s worth remembering that bridging finance can help business owners with short-term finance. A business that is three years or less old may not yet show a profit in its last filed accounts. Many companies accounts may currently show a good profit, but banks tend to... The post Bridging loans can help Britain’s entrepreneurs...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • Is there a limit to how much you can borrow with a bridging loan?

    Most bridging lenders will not consider a loan for less than £25,000, but what’s the most that can possibly be borrow? Many lenders have an upper limit of £15m, but there are some organisations that will consider bridging loans for much more than this Traditionally, a bridging loan is secured against a residential house and... The post Is there a limit to how much you can borrow with a bridging lo...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • FT gives tips for investing in complex buy-to-let property

    In May 2017, the Financial Times (FT) published its guide to investing in complex buy-to-let property. Simple buy-to-let properties are houses and flats let to one household, but other arrangements are often defined as ‘complex’. Houses of multiple occupancy (HMO) are let to a number of tenants. The most common type of HMO is student... The post FT gives tips for investing in complex buy-to-let pr...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • Private rental sector shows buoyancy

    The demand for private rented accommodation remains strong, a ResidentialLandlord.com article from April 2017 has discussed. In 2003, 71% of households owned their own homes, but this has now dropped to 63%. Part of the reason for this is that people are taking longer to save for a deposit on a house. While saving for... The post Private rental sector shows buoyancy appeared first on Ascot Mortgag...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • How bridging loans can help landlords refurbish rented properties

    Many landlords with empty properties need to refurbish them before finding new tenants. A bridging loan can provide finance for this. If a landlord owns an empty property in a run-down state, they will need to spend a lot of money refurbishing the property so that they can charge higher rents to new tenants. The... The post How bridging loans can help landlords refurbish rented properties appeared...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • Demand for UK commercial property rises

    According to the Royal Institute of Chartered Surveyors (RICS), the UK property market is in good shape, with demand for industrial property was stronger than for offices or retail premises. A RealEstate.IPE.com article from April 2017 states that the RICS surveyed commercial property agents and developers. Although demand had increased for all types of commercial... The post Demand for UK commerc...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • Lawyers want to make homebuying process faster

    One common complaint of homebuyers is the amount of time it takes for the conveyancing process to go through. Lawyers are examining how this could be sped up. Many home buyers are dependent on selling an existing home in order to purchase a new one. Even if they have a buyer for their existing house,... The post Lawyers want to make homebuying process faster appeared first on Ascot Mortgages.

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • Commercial property market buoyant in long term

    CBRE, the commercial property estate agents service, has made predictions about the commercial property market. The company forecasts a 4% reduction in property values this year, but expects a recovery starting in 2018. CBRE.co.uk reported in April 2017 that commercial rents in the first quarter of 2017 rose by an average of 3.3% and should... The post Commercial property market buoyant in long te...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • How far can digital technology assist brokers?

    There have been major developments in artificial intelligence that are helping bridging loan brokers, but how far could this concept go? Many people, before approaching a broker about a bridging loan, search the internet for information. Some companies are researching how to use robots to provide financial advice. A report on Fortune.com in March 2017... The post How far can digital technology ass...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • An introduction to mortgage insurance

    The largest debt for most households is the mortgage on their home. To keep up to date on mortgage payments is normally dependant on one or more members of the household having a full-time job. If you could not work through illness, accident or redundancy, would you be able to keep up with the mortgage... The post An introduction to mortgage insurance appeared first on Ascot Mortgages.

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • How specialist lenders help complex buy-to-let investments

    Not every buy-to-let investment is straightforward, and some large lenders will not provide loans for complex investments. Fortunately, there are many smaller lenders who specialise in more complex investments. The standard buy-to-let investment is for a house that will be rented by one household. Most large lenders can provide a commercial mortgage to finance investments... The post How specialis...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • Critical illness advice for Safety and Health at Work Day

    At different stages of life, unforeseen events can happen that can have a negative effect on your finances. With today being World Day for Safety and Health at Work, it seems an apt time to talk about this. If you cannot work due to suffering from a critical illness, this could seriously affect your income.... The post Critical illness advice for Safety and Health at Work Day appeared first on Asc...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • Raising finance for a new business

    A business startup often needs to raise capital and there are a number of finance options available. Before trading, there are set up costs, and often during the first few months trading, there may be fewer clients and a low cash flow. A business loan or a bank overdraft is the normal way most businesses... The post Raising finance for a new business appeared first on Ascot Mortgages.

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • How to choose a bridging lender

    As there are a large number of bridging lenders, choosing one can be a difficult and time-consuming task. Many people mainly look at the interest rate and fees charged when choosing a bridging loan. Jonathan Sealey, writing for MortgageStrategy.co.uk in April 2017, advised borrowers to be cautious and not base their decisions solely on low... The post How to choose a bridging lender appeared first...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • How to break the house buying chain using bridging loans

    Bridging loans are short-term agreements that are chiefly used by property buyers. They can bridge the gap between buying a new house and receiving funds from the sale of an existing house. Breaking the chain If you want to move to a new house, you may be relying on the sale of an existing house... The post How to break the house buying chain using bridging loans appeared first on Ascot Mortgages.

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • The changing nature of the bridging finance market

    Before 2007, bridging loans were sometimes regarded as the last resort to raise finance to purchase a property, but this is no longer the case. The ways in which bridging loans are used and how they work has changed considerably over the last few years. Many lenders used to see bridging loans as risky, so... The post The changing nature of the bridging finance market appeared first on Ascot Mortga...

Ascot Mortgages Ltd

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • Britain named best country for commercial property investment

    The website PropertyReporter.co.uk reported in an April 2017 article that Britain is the top region for investing in commercial property, citing a study by BrickVest. Despite a drop in commercial property investments following Brexit, Britain remains a strong market for commercial property. BrickVest’s survey of global property investors said that they see Britain as a... The post Britain named be...

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