Ownership Vs Renting: Should A Business Invest In Their Own Property?

Posted by Emma Robison on Sep 18, 2019 12:56:00 PM

Deciding whether to buy or rent is an important decision when it comes to investing in your business. There are pros and cons to both and what is most suitable depends on a number of factors, such as your budget, the importance of location for your business and the stage of growth of your business. In this article, we set out the main advantages and disadvantages to help you make a well-considered choice.

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Topics: Commercial Property Finance, Commercial Mortgages, Property Investments

Freehold Vs Leasehold: What Are The Differences

Posted by Emma Robison on Sep 16, 2019 2:02:00 PM

Under UK law, property can be acquired as either freehold or leasehold and there are important differences to note between the two.

Houses are usually sold freehold, although leasehold houses are becoming more common in new build developments. Flats and office space are sold leasehold, as portions of a larger building. Commercial property is typically sold leasehold, unless you purchase an entire building. Purchasers intending to use a residential property for a commercial use may need to apply for change of use. It is important to note that leases running seven years or more need to be registered by the purchaser at the Land Registry and SDLT is payable.

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Topics: Commercial Property Finance, Property Development Finance, Commercial Mortgages, Business Finance

UK Commercial Property Issues: How To Avoid Boundary Disputes & Title Defects

Posted by Emma Robison on Sep 5, 2019 12:48:00 PM

 

Disputes around boundary issues and defects are worryingly common and can lead to arduous legal battles. Many can be avoided by being aware of the causes and potential solutions to such disputes, and by going into each property investment fully informed of your contractual rights and responsibilities.

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Topics: Commercial Property Finance, Commercial Mortgages, Property Investments

Can You Get A Mortgage For A Commercial Property?

Posted by Martin Collins on Feb 26, 2019 3:23:00 PM

 

Commercial mortgages are long term business loans secured against a commercial property such as a hotel, shop, office or factory. They are similar in some ways to residential mortgages and a 15-25 year term is normal. They are commonly used to purchase business premises to operate from.

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Topics: Commercial Property Finance, Commercial Mortgages

An Introduction To Bridging Finance

Posted by Emma Robison on Feb 19, 2019 3:21:00 PM

 

A short term property-backed loan is considered to be a bridge between now and a future situation when it will be replaced by some other source of longer term funding. It is extremely common in commercial property markets as a stop-gap while a mortgage is being arranged.

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Topics: Commercial Property Finance, Bridging Finance

An Introduction To Property Development Finance

Posted by Martin Collins on Feb 13, 2019 1:58:00 PM

 

Property development finance is a type of working capital finance used for large scale property development projects. The nature of development is capital intensive and can be seen as risky. The cost of finance reflects the level of risk associated with the project as assessed by the lender.

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Topics: Commercial Property Finance, Property Development Finance

An Introduction To Portfolio Finance

Posted by Emma Robison on Feb 8, 2019 9:42:07 AM

 

Owners of property portfolios may release equity in some or all of their properties to raise capital for any purpose. It is a type of specialist secured term finance which enables owners to leverage the power of their portfolio by combining multiple properties into one investment.

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Topics: Commercial Property Finance, Portfolio Finance

Take Advantage Of The AIA Increase To Invest In New Business Assets Including Plant & Machinery in 2019

Posted by Emma Robison on Feb 1, 2019 10:52:11 AM

 

As of 1st January 2019, the Annual Investment Allowance (AIA) has increased from £200,000 to £1 million, a very welcome New Year’s gift to UK businesses! Let’s explore what the AIA means and why you should act this year to take advantage of the opportunities it offers.

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Topics: Invoice Financing, Asset Finance, Commercial Property Finance

Are You Thinking Of Purchasing A Building For Commercial Use?

Posted by Emma Robison on Dec 21, 2018 1:07:12 PM

Commercial Property Finance Guide will tell you everything you need to know about commercial property loans and support.

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Topics: Commercial Property Finance

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