Richard Butler Creagh Tips to Car Investment

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh specialized in working for developers, auto loans and refurbishing properties to prepare them for the market. Here we share car tips that are extremely helpful for financing vehicle purchases. Read on to find out more.

The electric car revolution is changing the scenery when it comes to purchasing a car. The new emissions zone in London makes electric cars more appealing. Is the investment in a car, also classic, a good idea in such a situation? Many of old classic cars especially those who are limited edition have been rising in value. Similarly, new limited edition cars are rising in value the minute they are launched. Therefore, is worth looking at vehicles as a means of investment.

As with any investments knowledge and expertise is everything. It is difficult to say which vehicle will rise in value. You always have to consider the case individually because each car is different. Surely, you can not accept that it is only because of the fact that the car is old, it is also worth a lot at once. This is one of the most often mistakes made by investors. If you want to determine the value of a car, you need to consider a million factors: the history of the car, the history of the vehicle, how many pieces were produced, what was the car, which company, who it was produced for, and later the degree of originality, the degree of restoration.

Being passionate is a big factor when looking at investing. Many people in this business do not look at this type of “work”, it is more of a type of hobby, an expensive one. Each car is different and has completely different characteristics. It is impossible to compare t Rolls Royce to a Miata. They have completely different characters, but each one is somehow special.

Investing in classic cars one of the best ways, instead of a few stones in the safe, you can ride this car when the weather is beautiful and in this way, you can experience something completely different. It’s like moving to an era of the past.

Prices of cars from an investment perspective differ. In this business, you have to have money to make money. The entrance to this market requires significant capital.  You always have to consider the case individually because each car is different. Surely, you can not accept that it is only because of the fact that the car is old, it is also worth a lot at once. This is one of the most often mistakes made by investors. If you want to determine the value of a car, you need to consider a million factors: the history of the car, the history of the vehicle, how many pieces were produced, what was the car, which company, who it was produced for, and later the degree of originality, the degree of restoration.

Richard Butler Creagh is highly familiar with the financial market and can help tailor an investment approach designed to benefit from this opportunity. To ensure that your next purchase is the best investment available, read more about the Richard Butler Creagh on his official website here. Check out Henley Finance and it services here. Read about Richard Butler Creagh work and career here.

Richard Butler Creagh Tips in Property Investment

Welcome to the Richard Butler Creagh property blog.  Here we share golden tips to consider before taking the plunge into property investment. Richard Butler Creagh is the founder of Henley Finance which was established in 2013 and it is a short-term bridging finance company specializing in loans between three months to a year, of between £100,000 to £1,000,000 for the professional property developer. Read on to find more tips before buying that first rental property.

As a property investor it is important to decide on whether to invest time to build houses or flats. In recent years the market in London has changed. There is more demand for flats than houses in London and in fact, is often harder to sell a residential house than a flat. There is a misconception that flats on long leases are to be handed over to after it expires, yet years spent in industry has shown that it is extremely easy to renew the lease with the landlord. Thus, theoretically, the temporary purchase can be permanent in practice.

In densely populated areas flats are more economically viable options. Often old houses which predominately are large have been converted to flats due to profitability associated with it. Large houses are popular among investors due to the ability of conversion into flats. Conversion of a 5 bedroom house into 2/3 flats often yields a substantial return on the investment. This is the main reason why some of the houses become expensive and also in limited quantities.

The sociological factors of changing today’s society are the main cause of the change in housing habits. Houses today are not passed from one generation to the next. Those are more like accommodation for the family which changes on a remortgage. Further, only one or two generations live together i.e. parents and their children. Big houses are not needed to accommodate today’s average family and flats are better suited for this purpose.

The cheaper prices when buying flats mean that the potential investor can build the portfolio quicker. However, the financial instruments tend to require a lower Loan to Value (LTV) due to complications with the types of flats. The leasehold creates time constraints, especially if a mortgage will be 25 years. The LTV will be calculated by deducting the length of the mortgage from the leasehold.

Another limitation of flats is that the flats subject to the consent of the freeholder. This can prolong any work that needs to be carried out and create unnecessary hurdles for investment. Further, issues arise when the flats are part of a large block of flats the neighbors disapprove of the works. Houses enable freedom of investment and most importantly it is one of cost without having to increase the lease before it runs out at a significant cost.

Ultimately an investor is going to look at the yield compared with the investment. The cheaper flats are often attractive to new investors because of the low entry level however an inexperienced investor may fall into may legal traps. There is no perfect answer, however, it is good practice to consider the area and the potential mortgage costs as it may differ from leasehold to freehold.

Richard Butler Creagh is a financial consultant and founded Henley Finance in 2013. After a successful career in property development, he understood the needs of the professional and their requirements in short-term bridging finance and devised a way that they could be better met in Henley Finance. Find out more about property financing on the Richard Butler Creagh official website. Follow Richard Butler Creagh on his official Twitter page here and read Richard Butler Creagh news and updates here.

Richard Butler Creagh on Property Loan 

Welcome to the Richard Butler property blog. Here we share with you information on how to maximize your chances on how to get your loan approved. Richard Butler Creagh is the founder of Henley Finance and has been in the bridging lending business for many years. Learn more about the factors to consider when picking a mortgage loan below.

Looking for a property to purchase is an exciting time. Choices regarding location, size, number of rooms and local amenities often see house hunters carried away in a deluge of daydreams and anticipation. But, before you get carried away, it’s important to check off the essentials.

First and foremost you need to determine if you’re eligible to borrow money from a lender. Your ability to repay the loan will need to be assessed – you don’t what to find out after you’ve made an offer that your credit history or deposit is not up to scratch.


Arranging finance before finding the perfect property will put you in a good position when it comes time to make an offer. When you do find the house you have always wanted, you can present to the seller and estate agent as a prepared applicant who is serious and reliable. It shows you mean business, and gives them peace of mind that your financing will not fall through.

Sellers are most interested in completing their sale fuss-free and with steadfast funding, and showing that you are capable of both will help put you at the top of a potentially competitive list of applicants. For instance that you find and secure the purchase of a home without having your loan pre-approved by a lender, there are a few pitfalls that you risk running into.

If you don’t have financing to pay for your property, you run the risk of forfeiting your initial 10 percent non-refundable deposit you need to put down to secure the property. This may differ depending on what state you live in, but the point is it always pays to be organized and have pre-approval in place. Saving home loan applications to the last minute also leaves less time to find the most suitable loan and have it approved ahead of settlement.

Arranging to finance as an afterthought also adds immense pressure to the process of shopping around for the right loan and gathering the paperwork to prove you can service the loan. You don’t want to rush this process.

Richard Butler Creagh has been in the bridging lending business for many years. He became involved with this sector through his experiences in buying and selling his own properties. He soon realized that the most important part of this process was to be able to have the availability of good financing. Read more about Richard Butler Creagh in this news article here.  Follow Richard Butler Creagh on Twitter here.