Plain-English guides to business, property and asset-backed finance. Each one covers how the lending works, what it costs and what lenders will ask for.
Exit options compared, what the refinance lender checks and what to do if your LTV is too high.
Extension fees, default interest and what a new lender looks for.
What lenders check, how the costs compare and how to bridge then refinance.
How each pays out, LTV, LTGDV and loan to cost, and where the line blurs.
When it beats extending your build loan, how much you can borrow and how sales release works.
Confirmed or planned exits, terms, minimum interest and what lenders want to see.
Combined LTV, first lender consent and when keeping your mortgage makes sense.
Deadlines, deposits, legal pack red flags and how much you can borrow.
How lenders define the works, what they fund and how the money is released.
How the appointment ends, the redemption figure and what a new lender needs.
Special conditions, title insurance and funding a 28-day completion.
Why it depends on who will live in the property, and what Capito arranges.
Monthly interest, the fees on a term sheet, a worked example and why your exit decides the real cost.
Who collects, whether customers know, costs and the contract terms to check.
Ownership, deposits, VAT timing and tax allowances, with a worked example.
How each one works, a side-by-side comparison, and which suits a one-off need or a recurring cash flow gap.
HMRC Time to Pay, a short business loan or invoice finance: costs, penalties and when each fits.
Who lends against art, how the loan amount is set, possession or not, and what lenders check before they lend.
One short form, no obligation. Takes about 90 seconds.