Richard Butler Creagh Shares Bridging Finance Market Trends

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh has been in the bridging lending business for many years. The bridging finance market has been relatively stable in the past year. The majority of the security is where our first charge which suggests that the more borrowers preferred to have a speedy transaction when securing the investment securing the entire project what a bridging finance lender. Often this type of finance provided has a depth of experience when it comes to property developments and this is another aspect of the bridging finance which gives it a cooperative edge over their competitors in the mainstream market. Often borrowers who come to Henley Finance appreciate the expertise and the market knowledge the team offers just in case this is needed.

Generally, the market does unregulated Bridging Finance which essentially is for the purposes of so-called flips, buying-renovating-selling. However, there are other means in which this type of financing used and those are auction houses, general business purposes secured against property, refurbishment, refinancing of another bridging loan and interestingly mortgage delays. The ultimate aim of any investment is to get value added to the property or business proposal for the purpose of obtaining profit. However, in some unfortunate scenarios where the mainstream lender does not live up to the expectations and delay any refinancing, the bridging finance comes to help. With the changes in law and more enhanced due diligence checks often there is more red-tape than expected which causes delays.

Perhaps the most interesting aspect of market trends was the average completion for a bridging finance application was just over a month. This is significantly lower than an average application for a bank which can take several months. This no doubt creates an excessive market for bridging finance. Henley Finance in an even smaller niche, where are often able to do valuation within 24h and a drawdown shortly after. This unique approach which is personalized manner enables us to be the market leader.

With the uncertain Brexit times and more changes happening the UK government one might think that bridging finance market will suffer yet it is quite the opposite. With the increasing uncertainty, the Banks are more difficult to finance with and therefore the bridging finance takes over the market share of financing business where time is important but not urgent. Often entrepreneurs will make a decision to go with more expensive financing which will be available quicker because of opportunity cost and cost associated with lack of funding etc.

Find out more about Henley Finance on the Richard Butler Creagh website here. Like the Richard Butler Creagh facebook page here for his latest news and updates in bridging finance.

Richard Butler Creagh on London House Prices

Welcome to the Richard Butler Creagh blog. Here we share with you why house prices in London are falling. Richard started his career in the building industry. After a very triumphant career in property development, Richard understood the needs of fellow professionals and requirements in short-term bridging finance and formulated a way that they could be better met through Henley Finance. Read on to find out more.

Many property investors and homeowners wonder if they should accept offers that appear on the weakening market or whether they can wait out price drops, counting on being temporary. For most of the last four decades, waiting was a good strategy. The houses of prices in the UK were on the rise. However, it is not known whether Brexit and gradual withdrawal of easy money policy in the world will not make the current stagnation turn into something worse.

Richard Butler Creagh Explains European Bridging Finance  

Welcome to the Richard Butler property blog. Here we share with you information why bridging finance is an important part of the property and business development in general. Richard Butler Creagh is a financial consultant who founded Henley Finance in 2013. In today’s blog, you’ll discover more about bridging finance loans.

Richard Butler Creagh on Commercial Property Loan

Welcome to Richard Butler Creagh Blog. Richard Butler Creagh is a property and Finance Consultant. Read on to find out more information about commercial property loan, which can help you build your business infrastructure.

If you are a self-employed whether it be a Lawyer, Doctor or Businessman you need a proper workplace where you can work with a peace of mind and an environment which gives you inner motivation towards your work. To purchase such a commercial property it is a bit difficult as the price of such property is comparatively higher than a residential property and people generally opt for business loans to fulfill this need. However, to overcome such a problem - a commercial property loan will help you own a workplace of your choice so that you can take a step closer to your business goals.

What is a Commercial Property Loan?  It is basically financing a fixed property used exclusively by a borrower to purchase a property for the commercial use. A borrower can take the loan and then provide it for rent as well. This includes property for office and general commercial accommodation.

Commercial Property Loan can be availed for the following purposes:

Richard Butler Creagh on Brexit house prices.

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh has been in the bridging lending business for many years. Much has been written about the impact of the UK’s housing market that leaving the EU without a deal could send house prices tumbling by a third. Some regions have boomed, while foreign investors continue to keep faith in the UK.  In today’s blog, we bring you the insider’s guide to what experts from the estate agents think will happen over the coming months.

Richard Butler Creagh  Shares Things to Consider Before Taking Out a Bridging Loan

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh has been in the bridging lending business for many years. Before talking to an expert about your requirements for bridging finance, there are a few other factors to consider. Essentially, bridging loans are designed to be a route to raise money quickly and, as such, should be thought over carefully. Consider these points before applying for your bridging loan:
Understand what is available. When looking to take out a bridging loan, especially for the first time, it is important that you understand how the loan works and what the likely costs are.

Consider how you will repay before taking it out. When selecting the term of your bridging loan, it is easy to go for the shortest possible time frame in an attempt to reduce the amount of interest paid or maximize the net loan. If the loan term ends and you are unable to pay it back as agreed, you will be in default of the loan and may well be penalized financially.

Choosing the right solicitor. Picking the right solicitor is crucial to ensuring the loan completes on time and without issue. Your solicitor will act as the sole liaison between the lender and yourself when it comes to your understanding of the legal terms of the loan. With this in mind, it is advisable that your solicitor is well versed in dealing with bridging loans.

Bridging loans are a great option if you need to move quickly to buy a property. Like any other home loan though, it’s not a debt to be taken on lightly and it pays to speak to a professional mortgage broker so they can provide the right recommendations to you. Whether you are a first home buyer or a sophisticated investor we can assist with a detailed, tailored approach to your investment finance.
Contact Richard Butler-Creagh on the Henley Finance website. Read more about Richard Butler Creagh online here. Like the official Richard Butler Creagh facebook page here and keep up to date with the latest posts.

Richard Butler Creagh Shares Why Sustainable Lending is Gaining Traction

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh has been in the bridging lending business for many years.  A new generation of sustainability-linked loans is reshaping the market, putting more companies' green goals within reach. Green lending is changing the present financial scene, providing funding to a wide scope of corporates and boosting business to fabricate a progressive and sustainable future and it is continuing to gain traction.


Holistic Sustainability Assessment
Many early green loan structures proved too rigid.

Today's green loans are more holistic. Companies are typically offered "standard" pricing, built around normal risk and credit parameters. Specific key performance indicators (KPIs) are then added to the loan contract. Companies receive a discount as targets are reached. If targets are missed, they pay a premium.

Performance is reviewed by a third party organization and such loans are open to companies of sufficient size and financing requirements, providing they have suitable corporate social responsibility policies in place

Regulation
A recent report by Dutch regulator De Nederlandsche Bank warns of bubbles if regulation and oversight are not developed effectively. Maarten Vleeschhouwer and Henk Jan Reinders, two of its authors, are seeing how green criteria can be joined into oversight systems.

Maarten Vleeschhouwer likewise calls attention to the green supporting factors to bring down the total capital in Europe's banking system. Penalizing factors would do the opposite, making the banking system stronger.

Abb gives the example of a town wanting to switch to LED street lighting. The project could deliver lower emissions but comes with big up-front costs. If the financiers, council, and contractors work together before a deal is signed, they could install electric-vehicle charging points to the lampposts too, ensuring the project generates revenues to mitigate part of the cost.

"Banks can differentiate themselves by their ability to engage and advise their clients on developing impact-based business – in which positive impacts are not an externality but central to the business model itself," says Abb.

Learn more about Richard Butler Creagh, the founder of Henley Finance here. Read more about Henley Finance which is a bridging lender company that invests in UK property here

Watch this video about Henley Finance and what they can offer you:

Richard Butler Creagh shares the potential in the UK housing market

Welcome to the Richard Butler Creagh blog. With the Government preoccupied with the progressing Brexit dialogs with the European Union, the housing deficiency in the UK is turning into a more concerning issue. It is an immediate result of the chronic shortage of good quality housing being conveyed to take care of the developing demand and shifting demographics in the UK. The government’s government’s continued inaction on the housing issue has prompted the huge rise in house costs and leases in leading to the departure of youthful families and professionals from the capital to the regions.


Changing transport links have had a big impact on the housing landscape. 

Richard Butler Creagh on an affordable way for first-time buyers to get on the property ladder

Richard Butler Creagh Shares Pointers before Applying for a Bridging Loan

Learn more tips on buying a house for the first time from Richard Butler Creagh. More property buying tips can be found at Richard Butler Creagh Facebook and follow Richard Butler Creagh on Twitter.