Independent Mortgage & Protection Advice

Nicola Mitchell is a fully qualified mortgage & protection adviser who is able to introduce potential clients to a wide range of specialist financial advice firms across the UK.  Within Gloucestershire we have a ‘preferred partner’ of The Finance Roome, an award winning mortgage and protection advice firm headed-up by Ellen Roome and regulated by the FCA.  If you are considering remortgaging, taking out a mortgage for a second property or just buying your first home, then get in touch and we can introduce you to a professional independent mortgage adviser who is able to source the best product solutions to suit your individual needs.

Get in touch for a free initial consultation.

Nicola (Nic) Mitchell-Brown: nicola@mitchellmoneypenny.com 07980 684240

NEW Business Trouble-Shooting

LOCAL BUSINESS TROUBLE-SHOOTER CAN INCREASE YOUR PROFIT WITHIN MONTHS

Times are really tough now for many small and medium-sized businesses, with online retailers providing fierce competition at the same time that banks and finance lenders are increasingly reluctant to support businesses in need of help. For many specialist local businesses like yours, whilst you have incredible skills and experience in what you do on a day to day basis, the sad fact is that if you are not an expert in marketing and business strategy then some of the best businesses will ultimately fail. At the age of 28 (over 20 yrs ago!) I started my first business in London and within a year sold it to a larger competitor for over £100,000.  Since then I have created and managed two more successful businesses which made profits every month since inception and never needed to borrow money to survive. My knowledge of marketing, lead-generation, financial management and the basics of the tax system have given me enormous experience which I would like to share and help other budding entrepreneurs achieve the successes I did. My offer to you is very simply that I would love the chance to help your business thrive. I am so confident that I can add value that I will also give my time and advice on a ‘no results, no fee’ basis – meaning that if my insight and help do not result in an increase in revenue or profits, then you pay nothing, other than the initial consultation fee of just £199.00. For this one-off cost I will sit down with you and any other business owners or investors for a one-hour consultation, from which I will produce a written report and recommendations to show you where your business is missing opportunities; paying over the odds or losing out on profitable revenue.  This report is completely confidential and will be yours to keep. Following the report, if you choose to take the business advice and retain my support as your business strategist for a minimum six-month period, you will pay just £250/month, all of which will be refunded in the event that you do not make at least this much additional profit over the period that we work together.  In essence, you have nothing to lose and lots to gain! I hope you will give some time to look at these and I will be in touch with you shortly to see if we can arrange an initial meeting.  Obviously feel free to contact me direct if you would like to know more or indeed get the ball rolling a little earlier.

Two New Development Projects Now Live On CrowdProperty – 5% and 10% gross return options

CrowdProperty (www.crowdproperty.com) today announced it now has two new property developments live on the site and ready to be financed. Anyone with £500 or more can pledge towards the projects and receive either 5% or 10% gross returns.

CrowdProperty is a peer-to-peer lending platform designed to facilitate loans between private individuals and property professionals. Unlike other competitive propositions the business is run by highly experienced property industry experts. Since launch on August 26th, over 2,500 prospective lenders have visited the new website with more than 40 new property projects already having been submitted by potential borrowers.

New Projects

Former Public House – Property development offering 10% gross return (annual interest)

Image of Former Public House - Housing Development Project 41

Former Public House – Housing Development Project 41

A former public house that has detailed planning consent to convert into 2 retail units on the ground floor, 3 one bed flats on the first floor and 1 one bed flat on the 2nd floor. The refurbishment has commenced and will be completed in November 2014. It is anticipated that the sales phase will be completed by end of Q1 2015. The borrowers are very successful property developers, who have completed over 150 property development projects. Full information: https://crowdproperty.com/project/41

Brixton Apartment – Refinance project offering 5% gross return (monthly interest)

Image of Brixton Apartment - Refinance Project 62

Brixton Apartment – Refinance Project 62

2 bedroom, 1 bathroom apartment in Brixton, owned and rented out by the borrower since 2006. The borrower intends to hold and continue to rent out the property to benefit from long term capital growth. The borrower has a total portfolio of 5 properties in London all with low loan to value mortgages. Full information: https://crowdproperty.com/project/62

Simon Zutshi, founder director of CrowdProperty, explains:

“Even at an early stage we are very encouraged by the interest levels in our specialist property lending platform. Now, with two very attractive projects available, visitors can become lenders and start pledging support with a choice of returns on their money, both of which are potentially much more attractive than alternative investments”

CrowdProperty is aimed at two different groups of people. First and foremost, the ‘lender’; private individuals with £500 or more seeking to achieve higher returns (5-11% gross) on their money than most traditional savings accounts; secondly ‘borrowers’ or property professionals, that wish to borrow money from the crowd of lenders to finance a new property project or re-finance an existing one. This includes development projects, project refinancing and buy-to-let investment refinancing.

The revenue model for the business is straight-forward: CrowdProperty take a one-off 3-5% arrangement fee from property professionals (borrowers) and pass the full amount of the gross interest (5-11%p.a.) payable on the loan to the crowd of private individuals (lenders). Borrowers can apply for up to 100% finance on new developments at 9-11% p.a. or up to 80% loan to value for refinancing projects at 5-6% p.a, depending on a set of proprietary criteria. Unlike most P2P lenders, CrowdProperty secures all loans with a first legal charge against the property asset lent against – in much the same way as a bank or building society would.

All new projects on CrowdProperty are put through extensive due-diligence and screening by a team of property experts to ensure they represent a robust and secured opportunity. Once it has been CrowdProperty approved, the project is added to the website’s projects section where private individuals (lenders) have the opportunity to pledge money. Contributions are paid directly to the Company’s solicitors and are only taken once the funding target is fully subscribed. Once the project is financed, it is carefully monitored by the CrowdProperty experts as it progresses to ensure money is being used correctly and the project is on target to reach or surpass its success criteria.

£20M Year One Target For New Specialist Peer to Peer Property Lending Platform – CrowdProperty

PrintCrowdProperty (www.crowdproperty.com) today announced its launch with a target of £20million funds to be raised from private individuals in its first financial year.

CrowdProperty is a peer-to-peer lending platform designed to facilitate loans between private individuals and property professionals. Unlike other competitive propositions the business is run by highly experienced property industry experts.  The team[i] of five co-founders who together own and run the business have over 70 years’ property market experience and include high-profile property author and speaker, Simon Zutshi, founder of the Property Investors Network with over 23,000 private property investor members.

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Personal Touch Appoints Magellan to Mortgage Panel

PrintPersonal Touch is delighted to announce the appointment of Magellan Home Loans to its mortgage panel.
Magellan Homeloans offers the opportunity for customers who have experienced a one-off life event, leading to an adverse credit history to obtain mortgage finance. Reasons for this could include: an adverse credit history such as mortgage arrears, CCJs, bankruptcy, IVA, debt relief order, debt management plan, or defaults.

Magellan -final