Blog

As a growing business, we love nurturing upcoming talent, hearing alternative perspectives and showcasing how we work together with our internal partners. In February, we welcomed Sam Rafferty for work experience to gain access to the inner workings of an award-winning specialist financial brokerage. Sam, who is currently a final year student at Stratford-Upon-Avon college,…

As of Monday 8th June 2020, a citywide direction to houses in multiple occupation (HMO) in Birmingham will be introduced. This Article 4 Direction means that landlords in Birmingham who want to convert homes into small HMOs, which accommodate between three and six people, will have to apply for planning approval to do so. Currently,…

A semi-commercial mortgage is available for Limited Companies, partnerships and individuals who want to purchase a property which has both residential and commercial elements. Even if only a small percentage of your building is for commercial purposes, you will need to arrange a semi-commercial mortgage instead of a residential one. This means that lenders will…

Lender confirms breakthrough change to their valuation process One of our specialist finance lenders has recently amended their approach to valuing various buy-to-let properties. Now, any house in multiple occupancy (HMO) with 7 or more rooms will be valued on an investment value basis. This valuation process is also true for a multi-unit freehold blocks…

A commercial mortgage can be used to purchase property or land which is used for business purposes. As with all types of property loans, it’s advisable to compare commercial mortgage options from a range of different lenders before deciding which lender to commit to. Using a specialist finance brokerage such as Finance 4 Business can…

Forecasts by The Royal Institution of Chartered Surveyors predict a steady 2% growth over 2020 and a 4.5% rise next year. The new decade has brought with it a sense of optimism for investors within the property industry. The Royal Institution of Chartered Surveyors believe the General Election acts as an adrenaline shot for the…

Over time, uncertainty has long been held up as the source of the property market’s recent downfalls. Property finance borrowers may have been anxious about the political turmoil ahead. However, with Boris Johnson securing a massive Conservative victory in the general election, there is now at least a Brexit deal on the table and a…

What is bridging finance and what can it be used for? Ensuring that you have enough money to finance your project is imperative to the process of property development. However, the range of different finance options available can be enough to confuse anyone. Although bridging finance has been around for a while now, there’s still…

One of the biggest challenges that you are likely to face as a new property developer is getting access to enough money to finance your project. Most banks and traditional forms of lending are reluctant to lend to property developers who lack experience and can’t provide a strong CV due to the level of risk…

We are delighted to be featured in the latest issue of The Parliamentary Review. This is a huge success for Finance 4 Business and something we are immensely proud of. Founder and Managing Director Russell Martin discusses the Finance 4 Business journey so far and how our specialist finance solutions can help you and your…