It’s time to think about how to get finance for our limited companies – in particular, for buy to let properties. To do this, we need to think about what an SPV is from the bank’s point of view. From the bank’s point of view, the SPV is going to be a limited…
Last week we looked at what an SPV is and how it is not a specific type of entity but instead a vehicle that is used for a specific purpose to help you achieve your goals. We also considered that it could be a limited company, partnership, LLP or any other type of entity. This…
There’s a lot of confusion surrounding around what an SPV actually is – and how we use them – as well as a lot of concern around raising finance for limited companies. Whilst these may sound like separate issues, they are, in fact, part and parcel of the same subject. So, let’s think…
OK, please excuse my language but the question has to be asked; is 2018 is going to be a cr@p year? It may not be that bad, (although for many of us it will be) but unless we start to plan now the chances are it’s going to be mediocre at best, in fact probably…
Why are buy to let investors taking on the role of the Home office? And why do you need to know? There’s usually two ways of getting people to do what you want, or to achieve the result you are after; and that’s by using carrots and sticks. The metaphor, of course,…
Even though Section (or clause) 24 was announced back in 2015, and the affects on the tax system have already started, I can believe that some, perhaps many, buy to let property investors and landlords still have little idea how it going to affect them. There seems to be a collective state of denial,…
The budget was on Wednesday. It was expected to be rather bland and in many respects it probably was. Not surprisingly the press were all carried away by lifting of stamp duty for first time buyers up to £300,000. But for current and future property investors and landlords there were other announcements which are more…
According to the ONS (Office for National Statistics) the house price ‘north-south’ divide has narrowed. Property prices in the north west of England have pushed on strongly, whilst prices in London (and parts of the South East) have stalled and, in patches, have even fallen back a bit. So, as a consequence, the…
We’ve seen some dramatic headlines this week generated by the latest Rics (Royal Institution of Chartered Surveyors) UK Residential Market Survey (Oct 2017 – published 9th November 2017) which suggests that “falling property values are widespread”. Is that true, and is that what the report actually says? Well, actually, it doesn’t. But it does say…
When thinking about property prices and whether they’ll go up or down, we often think of, and quote, that economic fundamental of supply and demand. Sounds reasonable, doesn’t it? A growing population suggests and implies growing demand. If supply stays still, or grows at a lesser rate than demand, then surely property prices have to…