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Fixed Rate Mortgages, Drop Lock Mortgages, Offset Mortgages - Business, Commercial & Buy to Let

12th December 2003

Protect Your Business Against Rising Rates

Last weeks decision by the Bank of England to raise interest rates came as no surprise however there is a wide perception in the market that continued rate rises are inevitable.
If you are concerned about the effect rising interest rates will have on your business there are a number of finance options you could consider to help protect your business.

1. Switch to Fixed Rate Mortgages

As payments on variable/discount rate mortgages will rise in line with interest rates you should consider switching to fixed rates to insure against further rate increases.

Commercial Mortgages | Buy-to-Let Mortgages

2. Utilise "Drop-Lock" Rates

You could also consider a 'drop-lock' mortgage rate which gives you the benefit of a variable rate but additionally provides the option to fix the rate when it is convenient for you.

Commercial Mortgages | Buy-to-Let Mortgages

3. Consider Offset Mortgages

By switching to an offset business mortgage, where the interest on your mortgage is reduced by the funds in your business current account, (just like residential offset mortgages), you can reduce the capital that you pay interest on your mortgage, effectively counteracting interest rate rises.

Commercial Mortgages | Buy-to-Let Mortgages

4. Consider Leasing

Bank loans and overdrafts offer variable rates which will be affected by rising interest rates. A more attractive form of finance for you business needs is leasing where rates are fixed for the term of the lease.

Commercial Mortgages | Buy-to-Let Mortgages ">Lease Finance

5. Maximise Your Account Receivables

Whilst considering the risks to your business posed by rising interest rates, you should also consider the effect it may have on other companies you deal with. Check your account receivables for poor creditors and utilise professional debt collection companies if necessary to ensure you receive amounts payable before it is too late.

Debt Collection

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NB: The information on this business-finance-online.co.uk is for informational purposes only and should not be treated as business, financial, or any other form of advice.

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