More versatile approach to lending is vital

Tue 24 May 2016

Everyone who has ever had a dream, whether it’s to build your own home, travel to the moon, own a fancy car or build an empire, has usually had to find the money to finance that dream. In a perfect world we would all work, earn a living and pay for what we want to […]

Going big in commercial

Tue 24 May 2016

There is nothing wrong with organising bridging loans for residential property – loans to purchase, for raising capital, refinancing an expired facility or breaking chains. And as an industry, bridging lenders do it all the time. Be it a regulated loan for an owner-occupier or non-regulated for a buy-to-let investment, properly handled it is a […]

Second charge revolution

Mon 16 May 2016

One of the consequences of the change in regulator from the OFT to the FCA and the arrival of the MCD, has been not only to revolutionise the regulatory status of second charge lending, but also to bring it more firmly into line with its first charge cousin. Up to recently, to access most lenders […]

Minimum Standards, maximum focus

Mon 16 May 2016

If the law changed so that you had to put your car through an MOT test three or four times a year, you wouldn’t be too impressed. If you had to carry out a separate MOT for every county you planned to drive through, you might even decide to hang up the car-keys. Then imagine […]

The London mayoral election

Thu 5 May 2016

Tony Ward is chief executive of Clayton Euro Risk As the candidates for London mayor take turns to outline their proposals to tackle the capital’s severe housing crisis, the disappointing reality is that the number of new homes is down. According to the latest data from the National House Building Council (NHBC), the number of […]

Why blockchain technology ‘could transform financial services forever’

Tue 3 May 2016

Blockchain technology has the potential to be one of the most disruptive and transformative phenomena that the financial services sector has ever seen – but there is also scope for tremendous frustration. Not because the idea of a distributed digital ledger isn’t practical or proven – it very much is – but because persuading people […]

Londoners need to vote with caution

Tue 3 May 2016

As we come to the end of Boris’ tenure as Mayor of London, the capital is in very different shape to where we were when he stepped in in 2008. Large infrastructure schemes such as Crossrail are well underway, the Olympics have come and gone and the term ‘Boris Bike’ is now a quintessential feature […]

Bridging in a changing market

Wed 27 Apr 2016

The bridging industry is maturing and is a growing industry for those looking to access fast finance. Steve Barber, managing director of Bridging Finance Solutions discusses the key factors affecting the bridging sector for the following 12 months and considers the changes ahead A low interest rate environment has had the most significant impact on […]

DAs and second charge

Wed 27 Apr 2016

Steve Harness is commercial director at The Loans Engine When the history of financial services regulation is written, the lucky individual who gets the job might wish to look at how the major regulatory reviews and directives of our time have actually translated from theory into practice. The reason is that so often with new […]

Holding our nerve

Tue 19 Apr 2016

There’s been so much press comment this week on the potential damage inflicted on the economy should the British public decide on Brexit at the EU referendum in June. My honest opinion is that nobody really knows what will happen if we vote to leave – after all, we are in unchartered territory – but […]