
What a Facility Costs Beyond the Rate
The components that make up the cost of borrowing, which ones are negotiable, and where comparisons usually go wrong.
Read More75 articles in Property Finance with practical commercial and delivery insight.

The components that make up the cost of borrowing, which ones are negotiable, and where comparisons usually go wrong.
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Two routes to funding an additional purchase, with different consequences for risk and for the property you already own.
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Required insurance is arranged quickly and paid for annually for the life of the facility. What it covers and where the cost varies.
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An illustrative split of a home finance payment between profit and principal across a long term, and why paying extra early does far more than paying extra late.
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The conditions attached to your income are negotiable more often than borrowers think, and more consequential than they realise. Six common beliefs tested against the mechanics.
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A delayed handover is usually discussed as a contractual grievance. It is also a finance problem with a monthly cost, expiring documents and a valuation that may have moved.
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An illustrative calculation taking a headline rent down to what is left after voids, costs and tax, and comparing it against the instalment it is supposed to carry.
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Construction finance is drawn in stages against progress. The sequence, and the point where owners run short.
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Waiting to save a larger deposit has a cost that is rarely calculated. A comparison across a two year delay.
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The same property, bought two ways, producing two different returns and two different risk profiles.
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Products are marketed as compliant far more often than borrowers read the clauses that carry the compliance. The documentary checks that tell you what you are actually signing.
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A six-month preparation route through your credit bureau report, closing dormant facilities, reducing limits and fixing errors, so the lender reads a file you have already tidied.
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