I have been involved recently on a case where a client’s bank is proposing a SWAP deal on the back of an existing SWAP deal which does something quite clever. It writes a fresh contract in a way that negates the original fixed rate (it is a bit like an equation where the old rate becomes [...]

It is great news that buy-to-let mortgage providers are lending more. There is however one sub-sector of that market that is not well catered for, namely landlords that operate their business through a Limited Company. There are only a few lenders that will accept applications from Limited Companies – and of those many have strict criteria that [...]

In these times of austerity Finance Directors are often under pressure to run the ‘business as usual’ – and perhaps with the need to run the cash flow tighter – but also implement change that will have a longer term impact. You may be doing that with less staff also. I offer the scope to [...]

As businesses develop the first ‘growing pain’ is often getting the basic book-keeping/ invoicing done – and an ‘accounts person’ is recruited. That leaves the Owner with the ‘higher level’ financial issues and ultimately the decision may be taken to recruit a full time, qualified, Finance Director. But what about that time in between – [...]