News & Insights
Stay informed with the latest commercial finance news, market updates, regulatory changes and business insights covering property asset finance, residential investments and much more from the Clever Commercial team.
Mastering Property Investment: How to Calculate Rental Yield in the UK
The Essential Guide to Purpose-Built Student Accommodation (PBSA) in the UK
The UK's Purpose-Built Student Accommodation (PBSA) sector is experiencing a massive boom, driven by a growing student population and a significant 80% surge in international enrollment since 2011. These developments offer a "hassle-free" lifestyle that appeals to modern students through fully furnished rooms, en-suite privacy, and high-tech amenities like intelligent energy systems and advanced security. By combining the convenience of move-in-ready living with community-focused social spaces, PBSA has become both a preferred housing choice in major city hubs and a resilient, highly profitable opportunity for property investors.
Demystifying HMO Valuations: Bricks & Mortar vs Commercial Explained
For property investors, the valuation of a House in Multiple Occupation (HMO) is often the deciding factor in whether a project scales successfully or stalls entirely. Achieving the right valuation unlocks capital, improves your loan-to-value (LTV) ratio, and provides the leverage needed to expand your portfolio. However, HMOs occupy a unique space in the property market. Recognising these valuation differences can help investors make strategic decisions to optimise their assets and secure better financing options. Understanding the mechanics behind these methods is vital for any serious investor. This knowledge opens opportunities to optimise your property's valuation and leverage your assets effectively.