Who are you?

I am the Head of Broking for Newable Finance. A specialist commercial finance brokerage.

What is Newable Finance?

Newable Finance is a brokerage on a mission to help landlords get the best financial advice and service. With whole of market access, we source all types of finance for property professionals from 150+ lenders on the market. Newable Finance is part of Newable, a leading business support group on a mission to help SMEs to thrive since 1942. Newable provides support through the provision of services in three key areas: Money, Workspace and Advice, helping over 43,000 businesses each year.

How do you help landlords and property investors?

At Newable Finance, we work with landlords and property investors from a variety of backgrounds and with varying levels of experience in the sector. We have Finance Brokers who understand the finance market and the challenges currently facing this market and this enables us to structure our clients finance to meet the short terms needs and long terms goals.

What exciting things is Newable Finance getting involved with this Autumn?

I am hosting a panel discussion for landlords helping them TO untangle what the new proposed EPC deadline means for them. We are delighted to have experts join us from Shawbrook Bank, Anderson Wilde & Harris, CEC Energy and Birketts LLP, for an hour on Wednesday 28^th September at 11:00am. Join us for this must attend event! There is limited availability, register today.

We are also thrilled to be exhibiting for the first time at The Property Investor Show, at the Excel Centre in London on 7^th and 8^th October 2022. We will be on stand 322, so pop by and say hello!

What services do you provide?

• We provide free and independent advice to property professionals.

• We source EPC Finance, bridging loans, commercial mortgages, btl mortgages, development finance and more from 150+ lenders.

• We charge no fee unless we successfully source you finance.

Why should landlords use Newable Finance?

Our Newable Finance team are ideally positioned to help, we provide EPC funding to help landlords like you refurbish their properties to ensure you beat the proposed 2025 deadline. With the lack of skilled labour in the market, and the increasing cost of borrowing, our specialist advisors can find you the most competitive deal on the market from a range of finance solutions. Once you have refurbished your property, we can advise you on an exit strategy, and source you a Green Mortgage, which is much cheaper than a traditional buy to let mortgage.

• We provide outstanding levels of client service, 24/7.

• With combined experience of 300 years, our advisory team will work with you to find the best finance for your needs, providing advice on your portfolio.

• With our quick finance, outstanding communication and free independent advice, you can trust us to get you the most competitive deal on the market.

What is your greatest achievement in your current role and what made it so special?

In Newable Finance in November 2020, I was asked to come in to the company and build a commercial finance brokerage that would fill a gap in the market and be aligned with Newable’s vision of helping UK SME’s.

Since starting, we have established a lending panel of 175+ lenders, an enviable introducer panel,  16 brokers within the business and further growth planned for 2022 and over £100m of finance provided to our clients over the past 12 months with deals ranging up to £10m.

How are the increasing interest rates impacting landlords/property professionals?

Whilst increasing interest rates are having a direct impact upon debt levels being achieved and affordability of mortgages, secondary effects are being caused by mortgage holders contacting their existing banks to renegotiate the current borrowing rates and take advantage of fixed rates to insulate themselves from further rate increases. This is driving significant level of activity in the market and is creating time lags with many lenders.

What do you see as the biggest challenge facing landlords/property professionals at the moment?

Increasing mortgage rates may push property professionals to review their portfolio strategy and look to higher yielding assets over capital appreciation given a forecasted 5% drop in property values by the end of 2024.

>> Find out more about Newable Finance, and funding the refurbishments of your buy to let property ahead of the new EPC legislations