Richard Butler Creagh on Electric Vehicle

Richard Butler Creagh on The future of Sterling in the suspended government 

Richard Butler Creagh Shares how to use bridging finance 

Welcome to the Richard Butler Creagh blog. This is one of the ways by which a company can secure financial liquidity when spending large sums of cash on investments that can contribute to the development of its operations, increase its market and transactional value. Bridging financing is a form of assistance offered by financial institutions, banks or enterprises that enables full implementation of the assumed plans between the period of investment financing and its refunding.

Richard Butler Creagh Talks about Micro-flats in the UK

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.

Richard Butler Creagh on Ways to Get in Better Financial Shape

Welcome to the Richard Butler Creagh blog. Henley Finance was established in 2013 by Richard Butler Creagh with the view to offer a unique way of offering short-term bridging finance specialising in loans between three months to a year, of between £100,000 to £1,000,000 for the professional property developer. The concept of the company was devised purely from responses to clients' needs, and the experiences of borrowing in the sector.
With the new year now underway, you may be looking to make a fresh financial start. But sometimes change can be tough to actually achieve — especially when it comes to your financial life.

So how can you get your finances in shape?  Here are some tips you can utilize.

Start Saving. Saving is a concept that has been advised and practiced by financially concerned persons from ages. The old & famous Aesop’s proverb says ‘Save for a rainy day’ proves the same. A person with good income and without any saving is like a flowering plant that floats in water. It definitely has a beautiful outer impression but the slightest wave of water is just enough to float it away.

Start an Emergency Fund. Life is unpredictable. You never know when your car will need repairs or when your air conditioner will go on the fritz. Having an emergency fund is the best way to prepare yourself financially for those times. If you don’t have an Emergency Fund yet, don’t let that amount hold you back!

Kill Debt. Debt will hold you back from experiencing the kind of life you want. Take it a step further by tracking your spending to find areas to cut back on to free up more money to throw at the debt.

Diversify the Source of Income. A passive income is a must for financial growth.  If you own a full-time job then you can start a side business to earn some extra money or reduce the debts.

Embrace Automation. Life gets busy, which makes it easy to forget our financial goals. Managing our money often is at the top of the list of things we overlook when life gets busy as we simply don’t take the time to do what we know is best. Automation can help you in everything from saving for retirement to simply saving money.

Stay Healthy.  The above-mentioned tips depend largely on this tip. As we all know that a healthy mind lives in a healthy body. Taking good care of health is a way of being not only physically healthy but financially healthy too.

When one understands the importance of financial planning and works accordingly, he will certainly attain financial freedom without much struggle. Contact Richard Butler-Creagh on the Henley Finance website. Read more about Richard Butler Creagh online here and join the Richard Butler Creagh professional network on Linked here

Watch this  Henley Finance video and see what they can offer you:

Richard Butler Creagh's  Tips on Buying a Property Minus the Hassle

This year they have set regulatory changes at property investors. The government believes they are creating a good playing field between homeowners and landlords by putting up taxes and hiking up legislative loads on property investors. This move can have large detrimental effects on the supply of rental housings in the UK. Richard Butler Creagh and other property investors are widely aware that property still offers significantly higher returns than other investment choices which means many are still nurturing their portfolios while others can join the property market for the first time.

If you are a property investor, here are two major upcoming rental rules that you must prepare for:

Letting agent fee ban

 The “Tenants’ Fees Bill” is expected to be laid out before the end of this year, explaining which fees will not be allowed. It is widely known by many in the industry that landlords may instead incur these fees, as letting agents look at some other ways to make their money. Landlords may now discard their letting agents together and decide to manage their properties alone. While this works for some of those who can manage their lettings business full-time, others may not have sufficient time to comply with their duties as a landlord. But it will be the tenants that will bear the brunt of this changes in one way or the other despite it being enforced to protect them from higher rates.

Tenancy deposit cap

Most of the property investors and landlords take deposits from tenants at the start of a tenancy. This is to cover any costs for loss and damage to the property while the tenants are living in their properties. In another attempt to prevent tenants from incurring large expenses when they move to rental properties, the government has proposed a cap on security deposits. Having this law means that landlords will only be able to take up one month rent as a security deposit from the tenants when they move in. This may seem good news to tenants but it can result in many finding it more difficult to find a suitable rental property. A good example is landlords often require a more expensive deposit from risky tenants like those with pets and families with children. If they are not allowed to do this, they may decide to not let those tenants rent their properties at all.

Being aware of these incoming changes to rental rules is important for property investors in today’s market. A good property investor must understand the changes identified above and put certain measures in place to start preparing them sooner to avoid being caught. If you need a loan to purchase a buy-to-let property, contact Henley Finance. Visit the official website of Richard Butler Creagh here. Follow the Richard Butler Creagh Twitter page for the latest news on bridging finance and watch this video to find out more.

Richard Butler Creagh on Commercial Property Investment 

Welcome to the Richard Butler Creagh blog. Commercial investment in central London has seen its most powerful trading in almost a decade, per Savills. The real estate adviser announced that over £2.3bn was invested in central London commercial property in July alone, with total turnover for 2017 to the end of July reaching £11.5bn, a 24% increase on the same time last year. July was the strongest month recorded since March 2007 for Central London as sales were improved by the acquisition of 20 Fenchurch Street for almost £1.3bn to a Hong Kong-based property group.

Savills found that Asian investors continued to dominate the central London market, accounting for 63% of total City turnover in the year so far, while European and UK investors stood at 17% and 11% respectively.  In the West End, Asian investors accounted for 50% of turnover with UK institutions accounting for just 2% of acquisitions by turnover. This was also predicted by property development expert Richard Butler-Creagh.

“The first half of 2017 saw central London investment increased 12.3% on the same period last year; while we’re only a month into H2, the power has continued and total 2017 investment volumes may well exceed those of 2016,” said Stephen Down, head of Savills central London investment team.
“Although the limitations announced earlier in August by the Chinese government will decrease real estate investment from mainland Chinese property developers and institutions, investors from Hong Kong, who have been particularly busy in the market in the past year, are likely to continue to be active, however, we have noticed their buying criteria has become increasingly selective.”

Savills reported that its prime City yield was currently 4%, while prime West End yield stood at 3.25%. Stephen added: “We expect there to be more stock coming on to the market as we approach the end of the year as existing owners of investments to take profits and, provided these sales are priced correctly, we should see continued strong turnover activity in the next three to four months.”

Richard Butler Creagh is the founder of Henley Finance. Find out more about getting the right finance for you on the Henley Finance website.

Watch this video to find out more about Richard Butler Creagh and property investment.

Your 30s are filled with milestones and life-changing experiences. It’s a time when the things you learn start to become habits and when financial decisions can either lead you to great success or become a problem for you in the future. It would be great to have perfect planning so that you will know the best decision to make in every situation.

Here are some tips to avoid those financial mistakes:

Living on credit cards

Be grateful if you have not gotten deep into debt, and avoid it like it is a virus. Living on your credit cards is a desperate game to play with your finances. At some point, you have to pay for your purchases, and that usually means using all the savings you have saved. If you have already exhausted your savings, you may start the cycle of missing payments and opening new credit card accounts. Living on your credit cards will only lead you to live paycheck to paycheck, which is a very difficult habit to break once established. Left unnoticed, this practice will ultimately destroy your credit score as well.

Failing to set financial goals

 If you never stop to think about what you would like to accomplish in five or 10 years, it is likely that you won’t accomplish anything by the end of that period. The very act of identifying and setting financial goals for yourself in your life clarifies your choices and helps you naturally focus on ways to reach your goals. Failing to set financial goals can create pressure later on as you realize that you have to work harder to make any sort of progress towards what you want in life.

Not contributing to your retirement

 One of the most crucial mistakes you can make is not to save for your retirement as early as possible. It is easy to think that retirement is too far away and that you should be saving for more immediate goals like getting a car. You must start saving for retirement when you land your first job. If you don’t have the discipline to save for retirement, you may end up spending your entire salary and not saving for a car or anything else either. This is a difficult mistake to recover from that could cost you so much or more in the long run.

The best thing about being young is that time is on your side. You can recover from money mistakes more easily and enjoy a bright future, but making good financial decisions starts with learning about money and being willing to take responsibility for your own financial success.

Read more Richard Butler Creagh on his official website here, learn more about Bridging and Commercial app here and connect with Richard Butler Creagh  Linkedin page here.

Watch Richard Butler Creagh video here:

How to Save Money Wisely

Henley Finance Advice On Applying For A Loan

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Henley Finance Le Mans Race Sponsorship

Henley Finance founder Richard Butler-Creagh has announced their sponsorship of the Beechdean Aston Martin team at the upcoming 24 Hours of Le Mans race on the 17th-18th of June 2017. Henley Finance, a leading UK Bridging Finance company, has sponsored the team, and racer Olly Bryant in the upcoming French endurance race. Their logo will be on the racers jacket and provide the British finance company international promotion.

Richard Butler-Creagh commented:

‘‘Henley Finance are proud sponsors of Olly Bryant in the Beechdean Aston Martin Team and we wish them every success.’’

Le Mans is the world's most prestigious active sports car race in endurance racing, held annually since 1923 near the town of Le Mans, France. It is one of the most prestigious automobile races in the world and is often called the "Grand Prix of Endurance and Efficiency." The event represents one part of the Triple Crown of Motorsport, with other events being the Indianapolis 500, and the Monaco Grand Prix. The race will take place in front of more than a quarter of a million spectators and be televised in over 190 countries around the world. Experienced GT racer Oliver Bryant is confident of a good result on his Le Mans 24 Hours return, after completing a successful test day with the Beechdean Aston Martin Racing team on the 4th of June 2017.

Oliver Bryant commented:

“It was a thrilling experience driving the Aston Martin at Le Mans. I’m now looking forward to continuing to work with Andrew, Ross and Beechdean AMR through the race week leading up to lights out on Saturday!”

The British GT Championship race winner debuted at the Circuit de la Sarthe with an impressive ninth place finish in the LMGTE-Am class last year and settled in well on his first outing in the #99 Aston Martin V8 Vantage GTE at the test, completing 24 laps of the 8,469 mile circuit and ending the test a promising sixth in class. With 15 years of experience, the Buckinghamshire-based star is no stranger to endurance racing and joins a strong line-up, including Beechdean AMR team owner Andrew Howard and Aston Martin youngster Ross Gunn, which is hungry for success at the world’s greatest endurance race with the help of their sponsors including Henley Finance.

Henley Finance, founded by Richard Butler Creagh in 2013, is a short-term bridging finance company specialising in loans between three months to a year, of between £100,000 to £1,000,000 for the professional property developer. They are a specialist lender providing bespoke short and medium-term funding solutions to the residential and commercial property markets.

Find out more about property financing on the Richard Butler Creagh official website here and read Richard Butler Creagh professional profile on his Linkedin page. Read Richard Butler Creagh news and updates on his Crunchbase page here.