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At least we can enjoy a pint (when the pubs finally open) without added duty, cheers!

Whilst the Chancellor’s March budget has been received with generally positive commentary, and this is certainly the case for the property market, it nonetheless leaves a number of perfectly reasonable questions, let’s explore another view:

1) The extension of the current stamp duty concessions may delay the ‘cliff edge’ of the end of March but does it do anything other than defer the same issue? I would have preferred that a ‘cut off’ applied where a sale has been agreed with a reasonable period to allow those completions. This, of course, could have been the end of March or June but would ease the mad panic to complete in either event.

2) Is the Chancellor artificially fueling house prices only for a sharp (though shallow) drop in prices when this benefit is removed? Is that in order to fuel a feel good factor and encourage spending and, if so, will the lift be a short one and could the monies have been spent more wisely?

3) Is now the time to announce huge rises in Corporation Tax? Personally I accept this is inevitable but would have preferred a staged increase starting in year 1 and rising by 1% a year up to the proposed limit in 6 years.

4) Once upon a time the freezing of personal allowances would have been considered a ‘clever’ way of disguising real tax increases but with increased understanding by the populous we are not so easily fooled. Again is this the best time to be making it clear that taxes are going up and up?

It may be a contrarian view, however this is one occasion it may have been best to ‘kick the can down the road’. Growth, inflation, and to what extent people are going to utilise the vast savings accrued during the pandemic, have never been more uncertain. I for one would have preferred a neutral budget with the pain deferred that little bit longer. Then again I am not the Chancellor!

At least we can enjoy a pint (when the pubs finally open) without added duty on your favourite tipple, cheers! ‘

Historically bridging loans should have a swift completions, the modern day reality is often they are little quicker than a residential mortgage but HFBS are different, old fashioned great service with a proven track record of achieving amazing customer service.

HFBS will go the extra mile to meet a customers expectations, whether that is speed, efficiency, meeting face to face at short notice up and down the country or just delivery on what they offer, they will meet the customers’ expectations.

Simply put, HFBS deliver market leading service, every day…

Mr Matt Tristram, Co-Founder & Director of Loans Warehouse

The recent completion of a £205,000 advance, secured against a purchase, and completed in just three working days from initial contact prompted the following response from one of our significant introducers:

“Here @ Y3S we always have a positive approach, regardless of time constraints and tight deadlines. This case in particular was a challenge to say the least. But we knew, if we had the right partner and the right attitude, then this is something we could achieve. This is not the first time with have used HFBS, so we knew we had the right partner on board. From start to finish, Ian & his team mirrored our own enthusiasm to get this one done”

Mr Andrew Gage, Y3S Group

More4 Loans selected HFBS as our preferred bridging lender because they are exactly the type of lender we want to partner with. Not only do they offer a fantastic range of bridging loan products and with nationwide coverage, their speed of service is second to none. Ian and his team are quick to reply with approvals in principle and as they don’t need clients to employ solicitors can often turn round cases to completion in a matter of days. More4 Loans would have no hesitation in recommending other mortgage brokers, IFA’s or intermediaries to use HFBS

Mr Steve Pollard, More4Loans

HFBS are an innovative and dynamic company. Their bridging loan proposition fulfills a much needed niche in the bridging market. They take a common sense approach to lending and offer a great level of service.
Referring cases over to them could not be more simple and we are assured that our clients will be dealt with in a professional manner.

Mr Ian Miller, Highcroft Securities

When you need hassle-free, fast bridging I would always recommend HFBS. Every time they deliver again and again.

Mr Chris Warner, First4Commercial

We have worked with Holme Finance Bridging Solutions (HFBS) on many occasions over the years, primarily for smaller bridging loans of between £10k and £200k. Without doubt they are the best performing bridging company we have used. They always do what they say and move quickly to complete a deal and pay the commission. If its not one for them, you are told at the outset so you can immediately try and place elsewhere

Mr Gary Latham, bridgingloans.co.uk

Ian always finds time to chat through each potential deal, always honest in his assessment, and if he says he can do it, he will, promptly and efficiently! How refreshing in today’s market!

Mr Mike Wipfler, Lodhi Finance