A new report by real estate experts Cushman & Wakefield surveyed 50 European banks and found that most of the respondents (95%) will still offer commercial mortgages for borrowers purchasing European commercial property, reported PropertyWeek.com in October 2016. Following the June vote to leave the European Union, some feared that this would result in non-British banks refusing to lend to UK borrowers. The volume of loans was down in the first six months of 2016, but this was true across Europe and was probably not caused by Brexit. The report is optimistic about the future, with four fifths of lenders expecting loan levels to either remain the same or increase during the next few months. A director of Cushman & Wakefield, Edward Daubeney said: “Our survey shows that Brexit is having little impact on market sentiment from a lending perspective and the fundamentals remain encouraging. There remains a clear focus on good quality, well-let assets with lenders more focused on increasing lending on pre-let developments in second tier cities over secondary assets. Where development finance is available, it’s for pre-let developments with experienced developers.” The report showed that loan-to-value rates have fallen below 60%. Interest rates on commercial mortgages remain low. The Bank of England recently reduced its base interest rate and Peter Praet, chief economist of the European Central Bank said that the bank is committed to low interest rates until his inflation goals are met. About Us Platinum Global Bridging Finance is a distinguished high-net-worth finance broker. We specialize in providing tailored financial solutions, including Property Bridging Finance, Development Finance, Single Stock Loans, Margin Stock Loan, Crypto Finance, Crypto Loans and Commercial Property Finance tailored to meet the diverse needs of our clientele seeking robust financial lending solutions. Other Financing Options We Offer International Bridging Loans |
Read more →Manchester-Liverpool was ranked ninth in the world’s emerging startup ecosystems and first in the UK, according to a recent report by Startup Genome. The report ranked the top 100 emerging startup ecosystems out of 270 places across the world in 2020. Additionally, as an overall ecosystem, Manchester-Liverpool placed second in the UK. The report looked at a range of factors, including performance, funding, market reach and talent. This North West region ranked particularly well for performance and talent, followed closely by funding. Startups have become a top growth sector of modern economies. By looking at the value of the emerging startup ecosystems across the globe, Manchester-Liverpool is ranked seventh with a value of $9.2bn. Manchester the World-class city This further shows how Manchester is on par with some of the world’s leading cities with some of the best property developments springing up expanding the cities skyline each year. Manchester was even recently named the fastest growing city for tech in Europe, further adding to the city’s long list of accolades and positioning itself as a top European and international city. With world-renowned universities and one of the highest retention rates in the UK, Manchester-Liverpool scored highly for local talent within the report. There are an especially large number of STEM graduates in Manchester, providing high-quality local talent. With strong career prospects, more students, graduates and professionals are expected to move to the city. Boasting strong connections and employment and business opportunities, Manchester is seeing even more businesses in a range of sectors moving or opening their doors in the city. And as the population has increased dramatically and is slated for even more growth, especially in the city centre, this north-western city will continue to cement itself as a strong global city. Resilience Even during recent challenging and uncertain times,
Read more →Stock Collateral Loan Benefits: Unlock Liquidity Without Selling Your Shares Utilizing a stock collateral loan can help to diversify your wealth. This form of lending has terms similar to other lending terms in that it has a fixed interest rate. However, the difference is that the lending value depends on a share in common stock rather than a personal asset. Securities lending makes the process that much easier to manage if the borrower defaults on the loan. Until the borrower pays off the stock loan, the shares can remain in the custody of the lender, so it doesn’t put your securities at risk. When the loan is paid off, the shares return to the borrower. The process of using stock loans is one that aids users in efficiency and ease of transaction. With a stock collateral loan, the lender can seize the collateral if the borrower happens to default. Because of this, the loan tends to have a lower interest rate. This means that borrowers don’t have to lose as much when they eventually pay off the entirety of the loan in full. This is great news for borrowers who are utilizing a larger sum of money that may be subject to an interest rate. It is altogether more profitable for both the lender, who is guaranteed the seized property or capital, and the borrower, who gets a lower interest rate. What Is a Stock Collateral Loan? A stock collateral loan is a financing solution that allows you to borrow money by using your publicly traded shares as collateral—without having to sell them. This type of loan is popular among high-net-worth individuals, investors, and business owners who need quick liquidity while maintaining their market positions. Why Choose a Stock Collateral Loan? 1. Access Liquidity Without Selling Your Stocks Selling your
Read more →Release Equity From Your Publicly Listed Stocks And Shares The global marketplace is relatively new at dealing with stock loans and stock-secured financing. For a long time, only clients with a high net worth and large international corporation accounts were able to access equity and stock loans – but not anymore. There are more and more people such as company directors and major company shareholders using stock loans to finance other purchases or even just to free up equity from their current stock holding. Here at Platinum Global Bridging Finance, we are working to introduce this product to all our clients as a way to democratize these financial solutions. From stock block purchase to a non-recourse insider stock loan, you are sure to find the solutions you need here. At Platinum Global Bridging Finance, we work closely with insiders through our lending program to provide approved stock loans that an insider can use by freeing up a portion (1%) of the issued and outstanding shares every 90 days. We also specialize in the design of quick-funding securities financing solutions. Our firm will guide you through each and every step along the way, so contact one of our stock loan advisers for more information! What is a Stock Loan? Our Insider Stock Loan product will give the borrower liquidity, a hedge against volatile conditions in the market, and access to a simple loan vehicle that is interest only. This transaction is simple yet effective while retaining potential asset appreciation, potential access, or access all the while providing liquidity to the borrower. Benefits of these stock loans include: No transfer fees No application fees No underwriting fees Low interest rates starting from 3.5% Securities-Backed Financing We understand that each client has their own dreams and goals for their life, and we are
Read more →When completing on a property transaction, finding the right unregulated bridging loans can prove very challenging. This is not due to the lack of products available, but more choosing from the thousands of products on the market. Finding an experienced lender who can offer a loan that meets specific needs is also hard. Twenty years ago, not many property buyers would have considered bridging loans. At the time, this was due to specialist finance lenders making up a tiny proportion of the wider lending market. After the global financial crisis, however, bridging loans became a popular option for investors in need of tailored finance that could be deployed quickly, no matter how complicated their financial circumstances were. The bridging sector is now worth over £4 billion. What’s more, the impact of COVID-19 on the lending market has shown once again the importance of specialist finance in meeting the needs of buyers in times of crises. Market awareness of specialist finance is growing. As such, it is important for brokers, intermediaries and borrowers to understand the different types of bridging loans available and how these are regulated. Regulation in bridging finance The Financial Conduct Authority (FCA) regulates the financial services sector to protect consumers and promote fair competition. When discussing regulation in the bridging industry, people wrongly assume lenders are either regulated or unregulated. This is not the case. In reality, the FCA regulates certain types of bridging loans. So, what types of bridging loans are regulated? Regulated bridging loans In the UK, a bridging loan is regulated when it is secured against a property that is currently occupied, or will soon be occupied, by either the borrower or an immediate member of their family. These bridging loans can be either first or second charge and share the same regulations as
Read more →1. If you aren’t stock lending yet or issuing stock loans, you should seriously consider starting Some people may be concerned about making their securities available for loan to short-sellers. I am not going to get into the philosophical debate about the merits of short-selling here, but if you think that you joining the market is going to enable short sellers further, think again. There are already over $20 trillion of securities available for loan from a broad array of investors segments around the world, so unless you have a huge small-cap portfolio that’s new to the market, it’s unlikely you will be changing the supply/demand dynamics. What I can tell you for sure is that investors that are lending are capturing revenues you aren’t. To my way of thinking, in a falling market, every basis point counts. 2. If you are lending, take the broadest range of collateral you can Make certain you accept as wide a range of collateral as possible across both cash and non-cash (within your risk and regulatory parameters). I’ve been telling investors to do this for a long time, so why am I stressing it again now? In a podcast last week by the good people at eSecLending they raised several timely points that reinforce this recommendation. I suggest you listen to the entire podcast but let me raise two points. When markets fall, hedge funds are amongst the investors who sell long equity positions, both cash and synthetic. That means that prime brokers have fewer equities to provide as collateral. For the stock positions that are still held by prime brokers and hedge funds, market price drops reduce their value in daily mark-to-market valuations. This shortfall is usually made up of cash collateral. If you only take non-cash, you are excluded – zero
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