Bank of Mum and Dad: Gifted Deposit Checks for Advisers

Bank of Mum and Dad: Family support can help a buyer cross the deposit threshold. However, generosity alone does not make funds acceptable to a mortgage lender. For an adviser, the central question is not simply where the money came from. It is whether the contribution is a genuine gift, a repayable loan or another form […]

What the UTB 70% LTGDV Facility Revealed About Development Funding

UTB 70% LTGDV Development Loan: A development loan is not assessed on the completed building alone. The lender must first understand how the site, costs, construction programme and repayment strategy connect. This 2021 case study involved a £3.46 million development finance facility from United Trust Bank, commonly known as UTB. The funding represented 70% of the […]