Client Login
Apply now

PGI Knowledge Centre

Todd Davison

Recent Posts

How Does the Bank of England Interest Rate Freeze Affect my Buy-To-Let Mortgage?

Posted by Todd Davison on Oct 19, 2023 1:00:00 PM

In a development that has sent ripples through the financial industry, the Bank of England recently implemented a freeze on interest rates, marking the first time in two years that the rates have remained unchanged. This measured approach comes as the Bank of England continues to stabilise the economy.

Read More

Topics: buy to let mortgages uk

September sees rise in confidence to secure finance amongst SMEs

Posted by Todd Davison on Oct 17, 2023 1:00:00 PM

Headline Figures:

Read More

Topics: #SMEs

Landlords Warned over Personal Guarantee Risk as Average BTL Mortgage Falls to £895k

Posted by Todd Davison on Oct 6, 2023 1:00:00 PM

October 2023: As Buy to Let mortgage rates start to fall and the number of landlords securing limited company buy to let mortgages rise, Purbeck Personal Guarantee Insurance is warning Professional Landlords to keep their eyes wide open over the risks of personal guarantees as a condition of the mortgage. Purbeck’s analysis shows the average Limited Company Buy to Let Mortgage was £948k in 2022.  So far in 2023, the average Buy to Let Mortgage has shrunk to £895k based on Purbeck’s data.

Read More

Topics: #personalguarantee

How to Mitigate Risk as a Business Owner During Uncertain Times

Posted by Todd Davison on Sep 20, 2023 1:00:00 PM

2023 has been a tough year for UK businesses, particularly SMEs, who have had to navigate treacherous economic waters. 

Read More

Signing A Personal Guarantee on A Business Buy-To-Let Mortgage - What it Means for You

Posted by Todd Davison on Aug 29, 2023 1:00:00 PM

Business buy-to-let mortgages provide an excellent opportunity for businesses to invest in commercial property, whether to be let to a third party or to be used as premises to trade from.

Read More

Topics: #personalguarantee, buy to let mortgages uk

How to Protect Against a Business Buy-To-Let Personal Guarantee

Posted by Todd Davison on Aug 25, 2023 1:00:00 PM

Investing in your business through a buy-to-let mortgage can offer substantial rewards, helping you to secure commercial property to expand your operations or gain profit through letting to a third party. However, it’s essential to be informed and prepared for the potential risks.

Read More

Topics: buy to let

8 Common Concerns When Signing a Personal Guarantee

Posted by Todd Davison on Aug 11, 2023 1:00:00 PM

A personal guarantee is a pretty serious commitment, but it’s not one to shy away from.

Read More

What The Rising Living Cost Means for Business Owners

Posted by Todd Davison on Jul 25, 2023 1:00:00 PM

For the last three years, UK businesses of all sizes and sectors have experienced significant financial challenges. 

Read More

Fall in Personal Guarantee Backed SME Finance in Q2 2023

Posted by Todd Davison on Jul 21, 2023 1:00:00 PM

Applications for Personal Guarantee Insurance Down 13%

Read More

Four out of five small businesses in profit despite battling late payment

Posted by Todd Davison on Jul 11, 2023 1:00:00 PM
  • - 78% of small business are in profit despite late payment affecting 81%
  • - Just 7% of small business owners have had to take a pay cut
  • - Only 1% of small businesses are close to insolvency
  • - Personal guarantee insurance can provide peace of mind for small business owners

 

Read More

Get in touch

For more information or to speak to one of our underwriters contact us today.

Find out what UK directors understand about personal guarantees

  • Do 99% of UK directors really know what is being placed at risk when signing a personal guarantee?
  • Are directors comfortable signing personal guarantees?

    Download Survey

Subscribe Here!

Recent Posts