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What a new entrant to the market means

What a new entrant to the market means

According to reports The Mortgage Lender is set to expand into buy to let in the very near future. Trevor Pothecary’s new venture which launched into the market last year is reportedly launching into the buy to let space in Q3 and may also expand into bridging and second charge if the buy to let launch goes well.

21 Jul 2017

Letting a master broker take the strain when it comes to bridging

Letting a master broker take the strain when it comes to bridging

As the summer begins in earnest – I’m sat here watching both the tarmac and the people outside slowly bake – our minds might begin to turn to holidays and the thought of that fortnight break with nothing to worry about but at what point you take that dip in the pool.

10 Jul 2017

The bridging scene – opportunities despite challenges

The bridging scene – opportunities despite challenges

Issues such as adverse credit, affordability and stricter stress testing and lending criteria are continuing to affect an investor’s ability to obtain mainstream funding.

06 Jul 2017

Why development finance needs dedicated advice

Why development finance needs dedicated advice

Understandably, this General Election focused more on the housing market than any other, certainly in the past couple of decades.

15 Jun 2017

Why the bridging market needs further regulation, not blanket regulation

Why the bridging market needs further regulation, not blanket regulation

In October last year it was reported that unregulated bridging loans were continuing to outstrip regulated ones.

14 Jun 2017

Helping brokers spot missed opportunities in commercial finance

Helping brokers spot missed opportunities in commercial finance

I read an interesting article recently on the missed opportunities in commercial finance.

24 May 2017

Risk averse P2P lending is not a contradiction in terms

Risk averse P2P lending is not a contradiction in terms

The NACFB is pleased to note an important change to its Professional Indemnity Insurance product. After a lot of work with Towergate Insurance and Funding Circle, the NACFB’s members can now arrange an unrestricted number of commercial loans with peer-to-peer lenders without jeopardising their insurance cover.

05 Apr 2017

Do fintech firms run the risk of depersonalising the borrowing experience?

Do fintech firms run the risk of depersonalising the borrowing experience?

We seem to live in an age where we are in so much of a rush that we feel the need to constantly shorten phrases down into catchy soundbites; Brexit, fintech and Brangelina all seem to be the products of the portmanteau addicts amongst us that are far too busy to have the time to articulate their original elongated versions.

29 Mar 2017

Stopping the demonization of professional landlords

Stopping the demonization of professional landlords

New rules from the Prudential Regulation Authority are now in play. As of January 1st, landlords must prove they can obtain higher rents in relation to their mortgage repayments in order to receive the mortgage, along with passing stricter stress tests.

10 Feb 2017

Sweating the small things

Sweating the small things

There’s been no tailing off of interest from new lenders coming to the NACFB in the first month of 2017. When we are building a full panel of lenders, we have to tailor that panel to the actual demands from small businesses.

02 Feb 2017

 

Choosing the right partner for a bridging deal - and starting the year off right

Choosing the right partner for a bridging deal - and starting the year off right

So, how was 2016 for you? Now we’re back and into 2017 I’m hoping you’ll be re-energised after taking a well-earned rest over the Christmas and New Year holiday period.

17 Jan 2017

Let's not talk our market down - start 2017 on a good note

Let's not talk our market down - start 2017 on a good note

If I had to come up with one word to describe how the general population has felt in 2016 I’d say ‘worried’. Buy to let investors were worried about the impending tax changes.

17 Jan 2017

Lenders understanding modular construction could help solve the housing shortage

Lenders understanding modular construction could help solve the housing shortage

I’ve always maintained that ground-up development finance is a world away from bridging loans. Whilst we as development finance lenders are often grouped together and perceived as a similar type of finance, development lending is certainly not a natural extension of bridging.

17 Jan 2017

Let’s get on top of payments in 2017

Let’s get on top of payments in 2017

At the time of year when the impulse is to churn out one of those lazy “well, another year over…challenges ahead…pull together” type of columns, I’d like to tie things down a bit.

07 Dec 2016

Why new regulation means bridging may be in greater demand

Why new regulation means bridging may be in greater demand

I’ve always felt there was a distinct inter-connectedness between financial products, particularly in the lending sector.

05 Dec 2016

Spare light bulbs for all; illuminating the compliance debate

Spare light bulbs for all; illuminating the compliance debate

We’re now well underway in our ambitious plan to visit all of our members over the coming fourteen months, with the aim of seeing everyone – and confirming that they’re doing the right things as regards compliance – by the end of 2017.

15 Nov 2016

More regulation? Don’t despair

More regulation? Don’t despair

The industry’s reaction to the latest intervention into the buy to let market has been commendable.

08 Nov 2016

Finance is only one hurdle for small developers

Finance is only one hurdle for small developers

The housebuilding market in its current form simply isn’t working. We are completely over-reliant on the biggest players in the industry - the largest nine are responsible for more than 50% of the new homes built in the UK.

24 Oct 2016

Businesses buying other businesses

Businesses buying other businesses

When ARM Holdings confirmed it was being sold to Japanese company Softbank, the BBC’s technical correspondent wrote, “Britain's best hope of building a global technology giant now appears to have gone.”

24 Oct 2016

Finding homes for 'out of the norm' cases

Finding homes for 'out of the norm' cases

Part of the battle for brokers is finding an applicable product solution for clients who come to you with cases which are completely out of the norm.

21 Oct 2016

Changing and adapting to new underwriting rules

Changing and adapting to new underwriting rules

The changes to underwriting implemented last month by the Prudential Regulation Authority are like the winter weather.

21 Oct 2016

Moving back to normality, post-referendum

Moving back to normality, post-referendum

The post-EU referendum impact on bridging, short-term lending and development finance has tended to be overlooked somewhat in the last few months.

05 Oct 2016

Bad news travels at the speed of light, but what about the good news?

Bad news travels at the speed of light, but what about the good news?

There has been a lot of negative press recently on how the property market has been ‘hit’ by the Brexit vote. However, similarly to the introducers I’ve recently spoken to, my experience has been very different, with no sign of a drop off in the level of enquiries coming in.

28 Sep 2016

Overreacting to good news?

Overreacting to good news?

A leading real estate adviser recently reported that 180 new lenders have entered the market since 2013. This would help explain why, as we tap our way through the votes that have now come in for our imminent Awards Ceremony, there are well over 100 names put forward competing for the twelve awards.

31 Aug 2016

The forty-nine per cent: training & education

The forty-nine per cent: training & education

Our members have voted overwhelmingly for the Association to concentrate on regulatory compliance and Training & Education, with 49% of them requesting this should be our number one priority for the coming year.

02 Aug 2016

Bringing certainty back into the bridging market

Bringing certainty back into the bridging market

The old saying about ‘a week is a long time in politics’ seems completely apt at the moment – it has only been a little over a week since the result of the EU referendum was known but to say there have been some seismic shifts in the tectonic plates of UK politics would be a gross understatement.

04 Jul 2016

New funders and commercial property

New funders and commercial property

Not only is the NACFB seeing more and more new alternative lenders appearing in the market, we are also having to turn down more and more of their advances.

26 May 2016

More solutions for more professions

More solutions for more professions

United Trust Bank has been operating in the Professional Lending sector for 18 months and during that time we’ve evolved the product range and the service we provide.

07 Mar 2016

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