Resources

Get your ducks in a row, reduce risk, and refinance with confidence Buy-Refurb-Refinance (BRR) is a popular strategy for investors who want to recycle capital and scale: buy a property with potential, refurbish it, add more value than all your costs, then refinance onto a term mortgage. Refurb – Refinance – Rinse – Repeat. At least, that’s the theory… Done well, BRR is disciplined and repeatable: buy a property that isn’t mortgageable today, add value through well-planned wor

One of the most common questions I’m asked by landlords is deceptively simple: “Should I hold property in my personal name or in a limited company?” The answer is never one-size-fits-all. A lot comes down to tax – and I should stress I’m not a tax adviser, so nothing in this piece should be construed as tax advice. Speak to a good accountant and make sure you don’t cut corners on getting the structure right. With the disclaimer bit out of the way… Over Christmas I read the la

For property developers, using the right type  of finance is just as important as finding the right project . It can be the difference between completing quickly or losing an opportunity, between moving onto your next project or getting stuck mid-build. One of the most common areas of confusion I see – even among experienced developers – is knowing when to use bridging finance, and when a project requires development finance. Bridging and development finance are close relativ

The latest Developer Survey  from CrowdProperty offers a fascinating window into where the UK property development sector stands today – and where it’s heading next. The headline? This is an experienced, ambitious industry that’s eager to build more, but one still held back by planning delays, funding bottlenecks, and shifting market confidence. Here’s what the data tells us – and what it means for developers in 2025 and beyond. 1. Experience is everywhere – but so are barri

By Richard Grainger, Clear Idea Finance The bridging and development finance market has changed - but not necessarily for the worse. For investors and developers who understand how lenders assess risk, this environment actually creates opportunity. Deals that are properly structured , professionally presented, and stress-tested for real-world conditions are standing out more than ever. Having spent 30 years in banking and debt finance - both within large banks, and for the pa

Securing property finance in 2025 is not what it used to be. Deals that sailed through two or three years ago are now pulled apart by...