NEWS & INSIGHTS
What we are seeing.
Market views, regulation and deal commentary, written by the people placing the deals rather than a content team.
REGULATIONThe FCA wants to double the regulated bridging term to 24 months.CP26/18 would double the regulated bridging term. A quieter change matters more.
MARKET NEWSSecond charge lending just hit an 18-year high. That is not an accident.£625m in Q1, the strongest month since 2008. Why borrowers leave first charges alone.
DEAL COMMENTARYStated intention is no longer an exit strategy.Lenders want evidence, not intention. What the exit pack needs before it goes out.
REGULATIONProperty income tax rises four points in April 2027. The decision window is now.Property income tax rises four points in 2027. Restructuring needs a refinance.
MARKET NEWSLandlord yields broke 7%. HMOs did the heavy lifting.Average yields hit 7.02%, with HMOs at 8-12%. The finance is a different job.
REGULATIONEPC Band C by 2030: how the MEES tightening reshapes refurbishment financeMEES tightens to EPC Band C by 2030, and the refurbishment work has to be funded.
TEAM INSIGHTSWhy we still pick up the phone.Kam on why an email isn't enough, and how we keep clients from feeling like a file.
MARKET NEWSBridging is getting faster, and the reason isn’t the lenders.Completion times are down 15% in a year. Most of the market is reading it wrong.
TEAM INSIGHTSWould I invest in this myself?Hiran on the question he asks before every deal, and what changes when the answer is no.
REGULATIONThe smaller landlord squeeze.65,000+ landlord exits under the Renters' Rights Act. What it means for lenders.
TEAM INSIGHTSStart with the problem, not the product.Sehbaaz on how an outsider's view of finance shapes our lender relationships.
TEAM INSIGHTSConstruction is proactive. Finance is reactive.Kam on what construction taught her about working in specialist finance.STAY IN THE LOOPThe market read, once a month.What moved, what it means for funding, and the deals we placed. No filler, one email.