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Various surveys indicate that residential house values have dropped by around 5% over the course of the last year, and that activity in the market is very subdued. Our view is that we are now well into the negative phase of the house price cycle, and believe that prices will start to bottom out by the early part of next

The increases in interest rates are tending to constrain what clients can borrow as all lenders calculate affordability based on the cost of the borrowing v. an applicants available income. This means that lenders are seeing a marked decrease in loans & advances made compared in 2022. A year ago, interest rates were still super low, and activity amongst property

In the world of business, there are many sectors and industries that have their own peculiarities and facets, and which are then reflected and supported by specialist types of finance. Some lenders have teams devoted only to these business sectors. Examples of these are Healthcare (including Vets and day nurseries), agriculture, manufacturing, corporates (companies with T/O > £10M)  real Estate

A few days ago I talked about the reasons to use a broker and the massive depth and diversity of commercial finance lenders. So following on from this I thought it might be useful to outline whats important to lenders. There’s some fairly obvious stuff that most people know, in particular that one’s credit record must be good (for majority

The trend towards using brokers is clear. I recently mentioned how over 70% of new commercial loans are routed through brokers, compared to only 15% 15 years ago. But why should you use a broker instead of approaching lenders directly? The main reason is the sheer scale of the market – especially compared to 15 years ago.  If I am

A piece in our industry news feed has interested me today. When Key Commercial Finance was set up in late 2007, the high street Banks dominated commercial lending, and only 15% of all UK commercial lending was routed through an intermediary. At the time, when questioned, I told people that in the USA, 80% of all commercial lending was routed

We thought it worth touching on one USP that Key Commercial Finance has in respect of our property & real estate finance offering. Its called “Yorkshire Property Finance Ltd (“YPFL”). This is a lender part owned by us, and has operated for nearly 12 years. It is an “in house” lender backed up by a private investor whom we have

This weeks case study concerns the purchase of a North of England apartment block costing £1.13M. The client sought not only loan of 75% of the purchase price, but also needed our help to fund half of their deposit as well. The apartment block was on a single freehold title. To add to the complexity, the block contained 11 apartments,

Following on from our last item regarding our “Independent Bank Manager service”, it is worth mentioning our range of specialisms as well. Our experienced team have been drawn from roles within mainstream Banks where they have focused on particular sectors and niches in business. They can all deal with most businesses, but we are particularly good at:- Healthcare finance –

Do you remember the days when every business (and many individuals) had a Bank Manager? You would go and see the Bank Manager every time you wanted a loan or overdraft or even to open a savings account! Some of those managers where grumpy or scary. (I know because some of them were my boss when I was a young