company name changes

Getting The Wrong Company Name

Getting The Wrong Company Name There was a great article on the BBC recently that looked at how an established and proven company name can suddenly become bad for business. Normally this is for an external reason that could not have been foreseen. The question is whether changing the name is worthwhile, whether it will[…]

landlord advice, buy to let tips

Buy To Let Purchasing Tips

3 Tips For Purchasing a Buy To Let With the way investment property mortgage interest is taxed having changed in April 2016 you may think that purchasing a buy to let property as an investment is not as attractive as it once was. However, what has happened is that the playing field has been levelled[…]

mixed use property

Why Landlords Are Turning To Semi Commercial Property

The Appeal of Mixed Use Property Semi commercial property, or mixed use property is taking on a greater appeal for property investors. This shift is driven by a change in stamp duty introduced in April 2016 because mixed use properties are considered to be ‘commercial’ rather than ‘residential’. As a guide the stamp duty payable[…]

DSCR calculator

DSCR – Debt Service Coverage Ratio

DSCR – Debt Service Coverage Ratio DSCR – The debt service coverage ratio is a financial ratio that measures a company’s ability to service its debts by comparing operating income to total debt service obligations. In other words, this ratio compares a company’s available cash with its current interest and loan principle commitments. DSCR is[…]

investment property changes

Investment Property – Tax & Stamp Duty Explained

Investment Property – Tax & Stamp Duty Explained Over the last few months there have been several changes to how tax on investment property is charged and how interest on investment property loans can be offset against tax. The changes are a pretty big shift in what has gone before. Because I work with plenty[…]

buy to let mortgage

Buy To Let – What The Future Holds

Buy To Let – The Future The UK buy to let market has expanded with more professional and accidental landlords active than ever before. However, with changes to how buy to let mortgage interest is set-off against tax and the increase in stamp duty on new buy to let purchases then the market is starting[…]

sussex business funding

Sussex Business Grant Options

Business Grants & Support in Sussex Businesses in Sussex are generally categorised into whether you are based in East Sussex or West Sussex, there are very different options available depending on where you are based. It can be that a decision on where to register or have a correspondence address impacts on what funding is[…]

buy to let houses

Buy To Let – It Still Works After Tax Changes

Buy To Let – It Still Works After Tax Changes The news is full of the changes to buy to let mortgages via the new Mortgage Credit Directive (MCD) and via the changes to Stamp Duty Land Tax (SDLT), oh and you can add in they way loan interest and capital is handled as an[…]

youtube video logo

Credit Scoring – The Alternative Guide

Credit Scoring – The Alternative Guide A while ago I made some videos about different elements to a business borrowing money. One of the most common questions asked to me was about credit scoring. There still is a thinking that credit scoring is some form of witchcraft or computers taking over the world. It is[…]