How do I raise finance?

The question that is asked all the time by property investors is - how do I raise the finance to begin?  If you are starting from the great perspective of having a good chunk of capital or you are able to release equity from a property to work with when you begin to buy property; then that is great. 

It makes the process much easier as it gives you the confidence to know that any offer you make is backed up by funds in the bank and therefore offers you greater bargaining power.  Coupled with the right knowledge and guidance, it also means that you can start your search sooner rather than later and get going on your chosen strategy.

Raising Finance

If you are trying to raise finance, then it would be a good idea to check your credit rating and mortgage status.  Speaking to a mortgage broker who specialises in lending for investment purposes about your ability to raise a mortgage would be a good place to start to see if you’re at least in the running in this sense. 

Regarding raising finance for the deposit or to buy outright, this can be a tricky subject.  There are a number of ways in which you could pull money together and we have listed them below:

  • Credit Card (short term)
  • Borrow money from relatives or very close friends
  • Borrow money (in the form of a loan) from friends or acquaintances
  • Raise Bridging Finance (in a number of different ways)
  • Bank Loan
  • Angel Investor/High Net Worth Individual/Sophisticated Investor
  • Vendor Finance (in certain circumstances)

 Check out our commercial finance and our mortgage section for more information on raising finance. 

Can I Get a Mortgage with My Credit Rating?

Having a bad credit rating is often the source of further financial problems. You have limited financing options when your credit history is less than spotless. You also have to deal with higher interest rates and other premiums due to your increased risk factor. One of the most commonly asked questions is whether it is still possible to take out a mortgage loan with bad credit. We’re going to find out the answer right here in this article. Ways to Boost Your Credit Score Before you start searching for mortgage loans, it is actually worth it to take the time and look into your credit history. Instead of accepting the bad credit rating outright, you can take active steps towards improving your credit score. Boosting your credit score is not as difficult – or as time-consuming – as you may think. For starters, you can simply remove incorrect entries from...
Rate this blog entry:
Continue reading
Подробнее на сайте:
https://houseconstruct.ruhttps://econedvijimosti.ru https://currenthouse.ruhttps://inedvijimosti.ru
10270 Hits

Buy to Let Tax Changes Summary

  The Telegraph have produced a useful summary which gives details of the buy to let tax changes and mortgage interest relief.     
Rate this blog entry:
Continue reading
9166 Hits

Rent Hikes Loom!

  It's been reported this week that a million landlords will raise rents in order to beat the government's tax crackdown next year.  From April 2016 the buy-to-let investors will see the tax relief on their mortgage interest cut from a maximum 45 per cent to just 20 per cent.  Over the next 5 years the tax changes will be implemented and will make properties less profitable for those investors with a mortgage. Research has found that more than a million landlords plan to raise their rents next year. Around two thirds of the landlords who took part in the survey said they are going to increase rents next year.  David Smith, of the RLA, says: 'We warned the Government this would happen if it cut interest rate tax relief.' Last week in a case led by Cherie Blair, CBE the Administrative Court refused permission to proceed with a full...
Rate this blog entry:
Continue reading
7616 Hits


  We were saddened to hear this news this afternoon, but on a positive note the fight will continue. Commenting on the High Court decision to the refuse permission for a Judicial Review of Section 24 of the Finance Act, Richard Lambert, Chief Executive Officer at the National Landlords Association (NLA) said: “This decision is ultimately disappointing not just for landlords, but for the tenants who will see their rents rise as a consequence of the changes to landlord taxation. “While we have never been convinced that there was a solid enough legal case to overturn George Osborne’s decision, we hoped the Courts would be prepared at least to listen to the arguments.  “We congratulate Steve, Chris and the campaign team on their determination, perseverance, and their success in raising awareness and increasing the visibility and understanding of what will be a dramatic change to the ability of hard working...
Rate this blog entry:
Continue reading
8869 Hits

Landlords fight back with Cherie Blair!

  There have been some interesting headlines this week relating to landlords and property investing.   Here is the news in brief: 1.8 million new rental homes needed by 2025 to keep up with current demand 58% of RICS Estate Agents have seen a drop in buy to let sales since April 2016  86% of landlords have no plans to increase their rental portolio UK households renting doubled from 2.3m in 2001 to 5.4m in 2014 Landlords fight back with Cherie Blair   The Royal Institution of Chartered Surveyors (RICS) reported this week that the Government must urgently deliver 1.8 million new rental homes for UK families, as new figures show a sharp drop in the number of available properties. New figures show an ailing rental sector that cannot keep up with predicted demand. RICS have reported that 86% of landlords have no plans to increase their rental portfolio this...
Rate this blog entry:
Continue reading
6949 Hits