PROPERTY: UK Mortgage and Economic News with Marc Champ of Wharf Financial

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Published Dec 13, 2021, 12:00 AM

In this episode, Rob discusses UK mortgage and economic news with Marc Champ of Wharf Financials who sources competitively priced finance for property investors and developers. They talk about current sales and financing trends. As well as about what the end of the Coronavirus Business Interruption Loan Scheme (CBILS) and other stimuli is likely to have.

Rob and Marc discuss some of the financing options and the importance of understanding your long-term goal. As well as sharing their take on potential interest rate hikes.



  • December is a good time to speak to agents and do your research. It is usually quite quiet.
  • Many developers buy early in the year so that the deal is complete in time for work to start as soon as the weather is better.
  • The ending of CBILS and other stimuli means that many businesses are having to refinance. Including property firms.
  • Currently, rates for commercial property finance are quite high.
  • There needs to be more time for the downturn to start to emerge. The next few months are likely to be a bit rocky.
  • There are some cracking long-term rates out there, but you need to be aware of the early repayment charges.
  • When deciding on what type of mortgage you sign up for, think about your long-term goals.
  • When there is uncertainty, financing niches are created. There is evidence that is happening. Marc shares an example, in the podcast.



‘August and December usually are quieter months.’

‘CBILS is coming to an end, now. People have had their interest-free year.’

‘There is a lot of stimulus coming to an end.’

‘It comes down to what are you doing it for. What’s the end goal?’


Rob Smallbone the host of The Property Nomads Podcast, is on a global mission to guide your success. Success can happen in many ways, shapes, and forms. Think about what success means to you. More properties? More clients? Financial freedom? Time freedom?

Rob wants to make a huge difference to people around the world. He is here to guide your success in property, business, and life and to inspire you to achieve your goals, dreams, and visions. He's travelled, explored, and invested. And he's not planning on stopping these activities anytime soon.

Buckle up, sit tight, and enjoy the ride that is life.



Marc Champ @ Wharf Financial

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