TAB U - Property investment education

Property investing involves purchasing property to generate rental income and capital appreciation, which can build wealth and provide passive income.

Loan to gross development value (LTGDV) is a ratio used to measure the amount of debt financing that is being used to fund a property development, compared to the total estimated value of the completed development. It is calculated by dividing the total loan amount by the estimated GDV.

In this interview, Eli Korman, TAB’s head of development finance and CIO, answers questions about development finance such as how it works, and what the benefits and challenges borrowers might expect.

Environmental, Social and Governance (ESG) is a collective set of standards that businesses use to measure their impact on society and the environment, and also to show how transparent and accountable their business is.

To understand ESG and how it fits within the property market, each individual pillar needs to be examined.

New to bridging and don’t understand the differences between first and second charge, LTV or why you would need bridging finance in the first place? We’ve pulled together a guide for you to get started and understand the basics.

You needed capital. You secured development finance. The project is complete. Now what? Whether you built from scratch, converted, or refurbed, the finance you accepted to complete your development is going to need to be repaid.

Property has long been the nation’s sweetheart when it comes to investing and it is no surprise that many of the UK’s wealthiest individuals have property portfolios. While investing in bricks and mortar, from buy-to-let to property flipping remains popular, it is not as accessible for those investors who have a lower initial investment. Furthermore, with many investors wanting to diversify their portfolios, greater emphasis has been placed on alternative ways to generate returns on property.

Have you heard of bridging finance? You may have used a bridging loan to fund the purchase of a residential property. However, if you’re a business owner or are interested in becoming involved in commercial property it may feel as if traditional lenders don’t offer the products needed to acquire the capital you need. Fortunately, alternative finance providers like TAB can provide you with the funding for your commercial needs. It’s not just facilitating purchasing property that we can help with, commercial bridging finance has a number of uses, find out more below.

Unless you’re a cash buyer, investing in property will likely mean you need to borrow money from somewhere. This could be via a traditional mortgage lender or an alternative finance provider offering the likes of bridging loans.

There is not one area of our lives that hasn’t been influenced by an influx of internet and mobile technology. Our homes, jobs, education, health, finances, and even our romantic lives can all be controlled and developed using online tools and portals.

A bridging loan, also known as bridging finance, is a short-term financial solution. Typically, it is used to bridge the gap if you’d like to buy a new property before selling your old one. If you need capital fast, for example, if you bought a house at auction, a bridging loan would be there to help you secure the property. In this guide, we explain how bridging loans work, what they can be used for, and how TAB can help you secure the home you want.

Many landlords and property investors are painted a rosy image of property development through TV programmes and social media. Over the past few years, the number of people renovating properties for personal use – or to let or sell on – has increased. There are numerous reports of skyrocketing valuations post development and this has seemingly attracted many - both new and seasoned investors. However, is property development as easy as the media is portraying?

Are you looking to fund a small property development project? Development finance could be the solution you seek. If you have never used this finance option before, then it can be a tricky concept to navigate. We have prepared this guide to help you understand development finance, what it can be used for, and its benefits over a high street lender – such as a bank.

The aim of this blog is to help you understand how loan to value (LTV) can impact your investments and how we used LTV to determine the terms of our products. Let’s start with the basics, what exactly does it mean when we say LTV?

A bridging loan can, for many, be a viable way to raise a large amount of capital in a short space of time. With bridging loan specialists offering finance from £5,000 up to £250million, it’s obvious that there are a lot of considerations for anyone considering bridging finance.

The EWS1 form provides a consistent and universal assessment of the fire safety risk of external wall systems on residential buildings. Now, when lenders come to offer mortgages, the EWS1 form is often used to formulate part of the requirements.