Commercial Valuations over Bricks and Mortar – The Growing Trend and How to Make the Most of it.
Are you exploring ways to boost the value of your HMO investment? You’re not alone. More investors and lenders are turning towards commercial property valuation as a smarter alternative to the traditional bricks and mortar valuation, especially for high-yielding HMOs in the UK. What Is a Bricks and Mortar Valuation? A bricks and mortar valuation […]
‘Subject to valuers comments’ – How to Best Manage what is Perhaps the Industries ‘Get out of Jail Free’ card.
The phrase ‘subject to valuer’s comments’ is well-known among experienced landlords and even homeowners. It’s a default clause used by both lenders and brokers to protect against the risk of a down valuation that might render a property deal unviable. This “get out of jail free card,” while understandable in theory, can be frustrating in […]
SWAP Rates versus Bank of England Base Rate, which gives the clearer indication as to where rates are headed?
You’ve likely seen SWAP rates and the Bank of England base rate mentioned in the media, especially during periods of rate hikes or cuts. But what’s the difference between the two—and more importantly, which gives you a clearer indication of where mortgage rates are headed? What Is the Bank of England Base Rate? Set every […]
Lender Arrangement Fees – Here to stay?
In follow-up to our previous discussion on why lender arrangement fees are currently so high, this blog dives deeper into whether they’re a temporary fix—or a feature we’re likely to live with for the foreseeable future. Let’s explore how these fees have evolved, and more importantly, how landlords can use them strategically in today’s market. […]
Lender Arrangement Fees – Why are these so high?
Or, as some of my clients put it:“Lenders are all as bad as each other, charging astronomical fees that aren’t justifiable in any way.” While the internal pricing models and algorithms used by lenders are highly complex and confidential, let’s break down—in simple terms—why arrangement fees can now be as high as 9.99% of the […]
Bridging Finance Looks Costly, Can I Skip Over This Part?
A fair question, and one I get often—“Bridging finance seems expensive, can I avoid it?”Technically, yes—if you’re buying a property with cash. That’s the simplest way to sidestep a bridge loan, and for some investors, it’s a sensible approach. But if you’re financing the purchase, the conversation gets more nuanced. Why Is Bridging Finance So […]
