Invest & Fund Blog

Choices

In this week's blog, we begin the first in a series of counterargument pieces, comparing our asset class to the wealth of other options in the market, many of which will hold a place in our client's portfolios. We fundamentally believe that P2P backed by UK real estate has earned

Expectation Management Department

Let's jump into 2025 by unpacking what's expected this year versus what we may see, beginning with one of the most significant and widely debated market catalysts in recent times: the US Presidential Inauguration on January 20th. As this is also our inaugural blog of 2025, we will make the

Festive Guesswork

In our final blog of 2024, for a bit of festive fun, we have decided to look at what 2025 may hold for the residential development market by exploring some unusual and unexpected trends on the horizon—the things that you may be reading about in a year—and, with

Outperforming

In this week's blog, and for our penultimate of 2024, rather than reflecting on current affairs in our sector, we have turned our attention to a recent press release from 4thWay, the world’s first rating agency and investment indices for the peer-to-peer industry. In a numbers-driven piece, they have

Bull Case

In this week's blog, we look at the bull case for the mortgage market to answer the following questions: Is liquidity returning to the market, and what indicators should we look at to make that assessment? The health of the mortgage market indicates the health of the market our borrower

Permacrisis

In this week's blog, we examine the housing crisis more closely. Is this a perennial issue across Europe? If not, what are our European neighbours doing differently to combat our problems? This blog explores the comparative challenges of housing development in the UK versus Europe, examines the underlying causes linked

Back in Time

In this week's blog, we examine private credit markets, which are now estimated at over $3 trillion, according to industry research by the Alternative Credit Council (ACC). With business booming, what effect could the incoming Donald Trump administration have on that? Will there be a knock-on effect across all global

Banking on Growth

At the time of this writing, we are on the cusp of the final interest rate decision for 2024, and as the reader, you should be aware of the Bank of England's decision by now. The central bank’s easing of rates has notable implications for capital flows, investment appetites,

America Decided

With Donald Trump winning the 2024 U.S. presidential election, this week's blog focuses on how the new administration may affect our UK housing market in 2025 and beyond and its potential impacts on international investment. The goal here is to look a bit deeper, and while the connection between

Umbrella Terminology

In this week's blog, we examine the booming private credit market, examining some of its definitions, the types of institutions and investors involved, and why we feel that P2P backed by an underlying growth asset such as real estate has more than earned its inclusion in that defined basket of

Data v Opinions

Economist W. Edwards Deming once famously said that "without data, you're just another person with an opinion", and although these pieces are essentially just that, opinion, sometimes market punditry can be incorrect, sometimes it's the result of misreading the data, and sometimes it's just utilising the wrong data, and this

Shoot for the Moon

In this week's blog, we unpack some promising data about new home starts in the UK and ask ourselves: Are we beyond peak pain in the development market and heading into the upturn? Norman Vincent Peale once famously stated, “Shoot for the moon. Even if you miss, you'll land among

Intermediary Partners

In this week's blog, we examine the health of the financial intermediary sector with a focus on the alternative lending sectors. The NACFB is currently in open dialogue with the Financial Conduct Authority (FCA) to explore critical issues affecting the intermediary SME lending sector, and one of those issues is

Shortfall

In this week's blog, the first in a series, we take a break from the financial market commentary to examine some of the problems and challenges our developer client base faces in the current market. We aim to highlight specific issues and predict where the solutions may be found. For

Positive Signals

In this week's blog, in addition to the usual house price round-up, with three monetary policy committee meetings still to come this year, we look at two data sets that wouldn't be the obvious go-to when predicting future Bank of England decisions. Looking firstly at house price data, the latest

Stochastic Parrot

In this week's blog, we look at a topic of interest in both the media and the financial technology sector, A.I, and how the rollout of this kind of technology may alter the decision-making processes in both the construction and real estate industries across the globe. We will be

Expectations Outperformed

In this week's blog, as we emerge from the bank holiday weekend and start looking more closely at Q4, we wanted to take a more refined look at our asset class and the importance of its market placement, especially concerning performance and how that can be accurately calculated and tracked

Brick and Block

At the time of writing, during this year's Democratic Convention, Democratic nominee and U.S. Vice President Kamala Harris was unveiling her plans for 3 million further homes to be added to the US housing market by 2029. This policy has a strange familiarity to it, on the one hand

Non-Partisan

In this week's blog, we focus on the upcoming November U.S. Presidential election and its potential impact on global financial markets, including our own. We delve into various professional perspectives, as presented in the Investment Banks' published materials on this matter, to construct a well-informed argument for this blog.

Volatility

It's important to preface this week's blog with the adage that it's always best to be aware of people offering simple answers to complex problems. This week's volatility in global markets has been triggered by a vast array of different factors, all acting in tandem to create a set of

Predictions

At the point of writing this week's musings, we are on the cusp of two major announcements: firstly, the Bank of England's August interest rate decision and, secondly, and perhaps as important to this sector, the Planning Reform Package, due to be announced in Westminster in the coming days. As

Overseas

This week's blog attempts to answer one simple question: why isn't the level of foreign investment in the UK housing market declining, and how is it bucking the global trend? We are currently seeing foreign buyers and investors pull back from the US, Canadian, and Central European markets, with the

Build

In this week's blog, it would be remiss not to take a closer look at the Planning and Infrastructure Bill, designed to "unlock our country's economic growth" after Wednesday's King's Speech. As the new Parliament comes together, it becomes quickly apparent how much of the legwork has already been done

Melt Up?

In this week's post-election blog, as the dust settles on a remarkable transfer of political power, we look at the immediate changes implemented for housing, discuss rates, and the impact falling rates have as an indicator of where we may be in the business cycle, and the impact that may

New Dawn

If there is one thing we have all learned over the last decade or so, it is that elections are notoriously difficult to predict, and at the time of writing, the ballots are still yet to be cast. On that note, if you are sitting here reading this blog in