Commercial Mortgages – How Lenders Assess Affordability
We are seeing a lot of activity in Commercial Mortgages – both owner-occupier and investment – and just like with a personal mortgage it is logical to think that one of the primary things that a lender will look at is whether you can afford to repay the mortgage – both now and in […]
What Should An Appointed Representative Network Mean For You?
I guess that I should be clear what I mean when I say ‘Appointed Representative Network’ or ‘AR’ as it will be easier to retype many times here! An Appointed Representative in financial services is a person or company that is authorised to carry out specific types of activity under the regulatory umbrella of […]
Fiducia’s ‘Commercial View’ July Podcast
The weather may have cooled off, but sectors of the lending market are still hot, and we are seeing strong demand for both Commercial and Investment funding. We have some great topics to cover in July’s ‘Commercial View’ Podcast: https://open.spotify.com/episode/3aCAIrXJS5V8gzawcArgtg – Just How Semi Is Your Commercial? Continued strong demand in residential property sets a value […]
What is a Commercial Finance Broker?
And what do they offer to a company that’s looking to put finance in place? Fiducia Commercial Solutions works on a very straightforward ethos – we work with clients to understand their requirements, source the most suitable funding solutions for them and to achieve the best possible outcome for their business. Beyond that being […]
‘Commercial Mortgages’ – So much more than the name suggests.
The name ‘commercial mortgages’ is a wrapper for number of different commercial property related products. As a business we use it to describe a large amount of the work that we do for clients – and the industry commonly uses the same header. The trouble with a single header for multiple products – all […]
Criteria – The devil (and your funding) is in the detail.
Lender Criteria – As the proprietors of the original commercial finance sourcing system, Optimus, it is something that Fiducia knows a lot about. What are Lender Criteria? They are the details of what lenders will and won’t accept about a borrower and their requirements when they present an application for funding. I appreciate that […]
Fiducia’s Commercial View – The Podcast – June 2021
Fiducia’s Commercial View – The Podcast – June 2021 https://open.spotify.com/show/1PzCdJnpsWPtd3TIjVu2Yh Some great topics to cover this month, and we take a look at: A Bridging Loan is just the way to buy a property when you still own another, right? Product and Process innovation with Bridge-To-Let, and some input from Lendinvest. Will this be […]
Recovery and Growth by Payment Terms?
As you move into a period where Government backed support is passing into the rear view mirror, and you are guiding your business through this recovery period in the economy – what will allow you to operate and grow from here? If you provide payment terms to your customers then you could be operating […]
Cost Of Works
In the current residential property market conditions – a year of price growth, with some areas still rising – an increasing trend that we are seeing with property investor and landlord clients is the purchase of property that either requires refurbishment work, or conversion from commercial to residential use. Through the identification of a […]
Personal Finance Logic in Commercial Property Finance?
We have seen a lot more of it in all types of commercial finance proposals. Is it a change in mindset generally? Have business owners realised that they weren’t applying the same thought process to their company’s finances as they were to their personal money? Or as one business owner-manager said to me, he […]
