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Understanding whether Personal Guarantee Insurance is Right for You

Posted by Todd Davison on Nov 16, 2023 3:38:30 PM

While a personal guarantee can be the golden ticket in helping you secure crucial funding for business ventures or expansion, it can present an enormous risk to your assets.

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Personal Guarantee Risk Heightens for Landlords as 74% of Buy To Let Mortgages Taken in Limited Company Structure

Posted by Todd Davison on Nov 3, 2023 1:00:00 PM

November 2023: As the number of buy to let mortgages taken in a limited company structure rises, and property values fall, Purbeck Personal Guarantee Insurance, has launched the first personal guarantee insurance protection for Professional Landlords.

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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.

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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:

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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.

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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. 

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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.

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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.

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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.

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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. 

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